Women business loans are now one of the most popular forms of business loans in America. That's because more and more women are entering the business world and becoming small and large scale entrepreneurs. There are now successful women business people in almost every area of business and most of them got their start in business by applying for and successfully getting womens business loans.
Women are sometimes at a disadvantage in the business world because they have had to shoulder more of the burden in raising children and looking after house and home.
This has meant that their business credit has not has a chance to mature as quickly as some of their male counterparts and has caused banks to sometimes turn down legitimate requests for womens business loans.
One agency that is doing its best to help small banks and other lending institutions provide more womens business loans is the Small Business Administration. They have a series of services and programs including an Online Women's Business Center that offers women entrepreneurs specific advice and guidance as to how to get more womens business loans.
There are also many women's business organizations in the United States who not only provide advice but also assign mentors and coaches to help women get the womens business loans they need. Special programs also exist for women military veterans, women with disabilities, and immigrant and minority women.
One way to increase the chances of success in getting womens business loans is for women who want to start their own business to apply for a credit card in the name of the business that they want to operate.
This allows the women business owner to build their business credit resume at the same time as they build their business. It may be necessary to use personal credit to obtain a business credit card but once that business card is approved it starts building a woman's business credit rating and record right away. This will certainly make it a little easier when one goes to the bank to apply for womens business loans.
Women now contribute a lot to the growth and prosperity of the country and women owned and operated businesses now employ over 27 million people in the United States.
Several trail blazers have opened up the doors for women entrepreneurs and nothing, not even a banks reluctance to provide womens business loans will hold them back. It is still not easy for women to qualify or get approved for womens business loans but the sheer number of women in business is making it hard to slow them down.
Women have a great capacity to own and run businesses at every level of the economy and step by step they are convincing banks of that fact. The increasing number of womens business loans is proof positive to that effect.
David Gass is President of Business Credit Services, Inc. His company publishes a weekly e-newsletter on Starting and Growing a Small Business at http://www.smallbusinessconsulting.com You can sign up for their free newsletter by visiting http://www.smallbusinessconsulting.com
Saturday, October 31, 2009
College Scholarships For Moms and Working Women
A working women is extremely busy with the whole day schedule of getting up early to performing household plus official duties, cooking, looking after their kids and their responsibilities and then lastly going back to bed, completely exhausted. Can you imagine to complete your education or to try to acquire additional qualification in between this hectic schedule? But the other side of the matter is also true that if you would somehow manage and improve your education and qualification, your life will be easier and less stressful and this is possible only with the help of scholarships for moms program that is specially designed by President Obama keeping in mind the problems of working mothers.
In fact the college scholarship is like free money for education because you don't have the tension to repay it as you have to do with the students loans. There are plenty of scholarships and grants that are being offered by the present government and most of them are quite flexible in their requirements and if you fulfill one or two points, you can qualify for it. President Obama and his administration has observed that there are most working women or stay at home mothers who want to continue their studies but due to lack of money they are unable to do so.
But with the help of scholarships specially designed for women who are either working or are staying at home to look after their responsibilities, women can now make their dream come true. The greatest advantage of this program is that you get money to go back to college so that you obtain qualified in the field in which you are interested. These scholarships for moms will open lot of new job opportunities and real rewarding career for most women if they apply and get qualified for anyone of them.
In fact the college scholarship is like free money for education because you don't have the tension to repay it as you have to do with the students loans. There are plenty of scholarships and grants that are being offered by the present government and most of them are quite flexible in their requirements and if you fulfill one or two points, you can qualify for it. President Obama and his administration has observed that there are most working women or stay at home mothers who want to continue their studies but due to lack of money they are unable to do so.
But with the help of scholarships specially designed for women who are either working or are staying at home to look after their responsibilities, women can now make their dream come true. The greatest advantage of this program is that you get money to go back to college so that you obtain qualified in the field in which you are interested. These scholarships for moms will open lot of new job opportunities and real rewarding career for most women if they apply and get qualified for anyone of them.
Divorce - Falling Off the Property Ladder
Divorce is one of life's harsh realities that will often leave one or both parties reeling with the loss of hearth and home.
Whether you are plaintiff or defendant, divorce is a nasty business often resulting in both parties having to downgrade lifestyles and, in many cases, fall off the property ladder altogether. In today's ever changing economic climate it's often very difficult to recoup that lost ground. Recent statistics in South Africa show that whilst it is more often than not the woman who files for divorce, it also often the woman who comes off worst financially.
The days of chivalry are long gone.
Gone are the days of the gallant, soon to be ex-husband bequeathing the home, car and chattels to the prospective ex-wife for the duration of raising the children. It is more likely that the husband will consider 50:50 a fair split even when the wife is expected to house, feed, clothe and raise any offspring of the marriage.
Courts do not yet take into consideration that the lifestyle change foisted upon us as a result of divorce also means not having a man in the house.
This in turn leads to feelings of insecurity which could mean a location change and further expenses. In most cases divorce also means reduced finances, and whilst your ex may have agreed maintenance with annual increases, it's often insufficient to maintain the current living standards and hard to enforce.
Security and 'Semi-gration'
The security issue for many women becomes apparent in statistics that show that while 7.3% of South Africans live in greater Cape Town, 16% of all divorcees live there.
(AMPS 2005RA). Small coastal towns also boast a high percentage of divorcees and "semigration" is fast becoming the new fashion as single women flock to the coast for security.
Apart from the influx of wealthy 'up-country' families escaping the stresses of rising crime, the coastal regions of South Africa are also receiving more than their fair share of divorcees and single women as they no longer hang around their ex-husbands shirt tails but are feeling empowered and striking out on their own seeking security and lifestyle for their smaller families.
The added attraction of buying at the coast is that the property can be used to gain an attractive income from if necessary. Whether it's derived from steady rentals or tourism rentals, a lock up and go on the Garden Route is a perfect earner and 'semigration' is keeping property agents, removals companies and bankers busy whilst breathing fresh air into sleepy tourist towns.
The effect of the IT revolution on divorcees
"The IT revolution has released the stay at home Mom and enables them to look further afield in their search for security.
Women coming out of a divorce situation know that security is a huge issue and they are prepared to downscale for quality of life and safety." - Sheena Maree, Sothebys International
Areas like the Garden Route and the Klein Karoo are fast becoming magnets for women in these circumstances. Property is more affordable in towns like De Rust and Greyton, George and Aberdeen and single Moms have the option of boarding schools and local schooling close by.
To enable them to get back onto the property ladder some divorcees are spending a year or two working abroad to give their investment fund that much needed cash injection.
Care givers, nurses, radiologists and administrative workers are in great demand and can earn up to five times what they are paid in South Africa which is a welcome boost toward that lock up and go in picturesque Knysna!
A new Niche Market for Property Developers?
Property agent Deborah Scott of Pam Golding Properties in Knysna told Her Mortgage that she anticipates a change in the market as more single women are looking for entry level property as well as high luxury secure properties for themselves following divorce.
"High luxury apartments at the water's edge appeal immensely to divorced, child free women seeking security in an appealing environment, close to airports and in a town large enough to provide them with all necessities. I do believe that the faces of these towns will be altered to accommodate the trend."
Could it be that we will see an onslaught of rezoning in property markets in the coastal region of South Africa as construction firms, banks and cash strapped municipalities lock onto this ever expanding niche market?
The Royal Eagle Investment Fund based in George appears to be doing exactly that.
Dutch owned Royal Eagle Property Fund PCC is an unlisted property investment fund established in March 2007 to invest in direct property assets. They manage the fund in a wide variety of innovative property investment vehicles. The focus, however, is to invest directly in property in the Garden Route area, ear marking high density development plots.
What are South African long term lenders doing about scooping up this market?
Her Mortgage had a peek at what the main South African banks are offering divorcees to ease the strain.
Exactly. Nothing! Yet in the United Kingdom mortgage packages for divorcees have been around for a while now for those who are financially dependent on their ex partner. It enables those receiving regular maintenance payments and/or those self employed to obtain a home loan in their own right and offers a number of tasty 'add ons' to ease that transition from couple to single.
Are South Africa's Tax laws undermining marriage?
Understanding what drives the high rate of divorce in South Africa is difficult but certainly blame could be laid at the feet of the presiding government as our current tax laws just don't encourage marriage.
Recent online articles state that the rate of divorce is rising with the interest rates in South Africa.
Take the simple Investment Income law. Any asset that gives you income is regarded as jointly owned and each of you will be required to account for these amounts in each tax return - individually. Each spouse will then be taxed on 50% of the income received.
This has similar permutations on Capital Gains Tax as well. The good news however, is that the proposed Civil Union Bill may result in the concept of a marriage 'in community of property' where joint estates are created, falling away but bear in mind it may not affect those already married.
Hopefully this will encourage South African couples not to divorce for financial reasons!
It's time to grab the reins and learn!
With motivational e-book sales on finance ranking high in women's markets and books like Suze Orman's latest "Women & Money" walking off the shelves, Her Mortgage can only conclude that women want to learn about money and finance. For too long it has been the domain of the South African male and women have conceded this all too often to maintain the peace in the home and not ruffle male feathers.
Now it would appear that the shoe is on the stiletto clad, red toe nailed foot of South Africa's newest emerging market - the empowered divorcee!
Whether you are plaintiff or defendant, divorce is a nasty business often resulting in both parties having to downgrade lifestyles and, in many cases, fall off the property ladder altogether. In today's ever changing economic climate it's often very difficult to recoup that lost ground. Recent statistics in South Africa show that whilst it is more often than not the woman who files for divorce, it also often the woman who comes off worst financially.
The days of chivalry are long gone.
Gone are the days of the gallant, soon to be ex-husband bequeathing the home, car and chattels to the prospective ex-wife for the duration of raising the children. It is more likely that the husband will consider 50:50 a fair split even when the wife is expected to house, feed, clothe and raise any offspring of the marriage.
Courts do not yet take into consideration that the lifestyle change foisted upon us as a result of divorce also means not having a man in the house.
This in turn leads to feelings of insecurity which could mean a location change and further expenses. In most cases divorce also means reduced finances, and whilst your ex may have agreed maintenance with annual increases, it's often insufficient to maintain the current living standards and hard to enforce.
Security and 'Semi-gration'
The security issue for many women becomes apparent in statistics that show that while 7.3% of South Africans live in greater Cape Town, 16% of all divorcees live there.
(AMPS 2005RA). Small coastal towns also boast a high percentage of divorcees and "semigration" is fast becoming the new fashion as single women flock to the coast for security.
Apart from the influx of wealthy 'up-country' families escaping the stresses of rising crime, the coastal regions of South Africa are also receiving more than their fair share of divorcees and single women as they no longer hang around their ex-husbands shirt tails but are feeling empowered and striking out on their own seeking security and lifestyle for their smaller families.
The added attraction of buying at the coast is that the property can be used to gain an attractive income from if necessary. Whether it's derived from steady rentals or tourism rentals, a lock up and go on the Garden Route is a perfect earner and 'semigration' is keeping property agents, removals companies and bankers busy whilst breathing fresh air into sleepy tourist towns.
The effect of the IT revolution on divorcees
"The IT revolution has released the stay at home Mom and enables them to look further afield in their search for security.
Women coming out of a divorce situation know that security is a huge issue and they are prepared to downscale for quality of life and safety." - Sheena Maree, Sothebys International
Areas like the Garden Route and the Klein Karoo are fast becoming magnets for women in these circumstances. Property is more affordable in towns like De Rust and Greyton, George and Aberdeen and single Moms have the option of boarding schools and local schooling close by.
To enable them to get back onto the property ladder some divorcees are spending a year or two working abroad to give their investment fund that much needed cash injection.
Care givers, nurses, radiologists and administrative workers are in great demand and can earn up to five times what they are paid in South Africa which is a welcome boost toward that lock up and go in picturesque Knysna!
A new Niche Market for Property Developers?
Property agent Deborah Scott of Pam Golding Properties in Knysna told Her Mortgage that she anticipates a change in the market as more single women are looking for entry level property as well as high luxury secure properties for themselves following divorce.
"High luxury apartments at the water's edge appeal immensely to divorced, child free women seeking security in an appealing environment, close to airports and in a town large enough to provide them with all necessities. I do believe that the faces of these towns will be altered to accommodate the trend."
Could it be that we will see an onslaught of rezoning in property markets in the coastal region of South Africa as construction firms, banks and cash strapped municipalities lock onto this ever expanding niche market?
The Royal Eagle Investment Fund based in George appears to be doing exactly that.
Dutch owned Royal Eagle Property Fund PCC is an unlisted property investment fund established in March 2007 to invest in direct property assets. They manage the fund in a wide variety of innovative property investment vehicles. The focus, however, is to invest directly in property in the Garden Route area, ear marking high density development plots.
What are South African long term lenders doing about scooping up this market?
Her Mortgage had a peek at what the main South African banks are offering divorcees to ease the strain.
Exactly. Nothing! Yet in the United Kingdom mortgage packages for divorcees have been around for a while now for those who are financially dependent on their ex partner. It enables those receiving regular maintenance payments and/or those self employed to obtain a home loan in their own right and offers a number of tasty 'add ons' to ease that transition from couple to single.
Are South Africa's Tax laws undermining marriage?
Understanding what drives the high rate of divorce in South Africa is difficult but certainly blame could be laid at the feet of the presiding government as our current tax laws just don't encourage marriage.
Recent online articles state that the rate of divorce is rising with the interest rates in South Africa.
Take the simple Investment Income law. Any asset that gives you income is regarded as jointly owned and each of you will be required to account for these amounts in each tax return - individually. Each spouse will then be taxed on 50% of the income received.
This has similar permutations on Capital Gains Tax as well. The good news however, is that the proposed Civil Union Bill may result in the concept of a marriage 'in community of property' where joint estates are created, falling away but bear in mind it may not affect those already married.
Hopefully this will encourage South African couples not to divorce for financial reasons!
It's time to grab the reins and learn!
With motivational e-book sales on finance ranking high in women's markets and books like Suze Orman's latest "Women & Money" walking off the shelves, Her Mortgage can only conclude that women want to learn about money and finance. For too long it has been the domain of the South African male and women have conceded this all too often to maintain the peace in the home and not ruffle male feathers.
Now it would appear that the shoe is on the stiletto clad, red toe nailed foot of South Africa's newest emerging market - the empowered divorcee!
How to Get a Grant From the Government For Free That You You Never Have to Repay
If you want to start a business or go to college and need money for school, you may be wondering how to get a grant from the government for free. Every year billions of dollars in free government grant money is given away to individuals to help them reach their goals, and these funds can often be obtained regardless of credit or income. As a result, the qualified applicant is awarded with as much as $50,000 that never has to be paid back.
The great thing about getting a grant from the government is these funds are provided tax free and generally with no repayment terms.
Otherwise they are called government loans. With over $80 billion in free grant money given away every year, there are many opportunities for women, minorities, students and single parents to apply for and receive some of these cash grants.
Obtaining grants from the government can help you:
* Start a small business from home
* Go back to school to earn a degree and a high paying job
* Finish that home improvement project and upgrade your home
* Pay off debt or buy a new home
Between the hundreds of government and private foundation grants provided by various organizations, there are numerous opportunities for individuals to get the grant funds they need for their personal use.
Applying for these funds can be done with the help of a professional grant writer, or you can take the do-it-yourself approach.
By accessing an up-to-date grant database, you can find the grant programs that currently have funding, review the eligibility requirements to identify those free grant money programs you are most likely to qualify for, and then follow the guidelines to submit your application.
The great thing about getting a grant from the government is these funds are provided tax free and generally with no repayment terms.
Otherwise they are called government loans. With over $80 billion in free grant money given away every year, there are many opportunities for women, minorities, students and single parents to apply for and receive some of these cash grants.
Obtaining grants from the government can help you:
* Start a small business from home
* Go back to school to earn a degree and a high paying job
* Finish that home improvement project and upgrade your home
* Pay off debt or buy a new home
Between the hundreds of government and private foundation grants provided by various organizations, there are numerous opportunities for individuals to get the grant funds they need for their personal use.
Applying for these funds can be done with the help of a professional grant writer, or you can take the do-it-yourself approach.
By accessing an up-to-date grant database, you can find the grant programs that currently have funding, review the eligibility requirements to identify those free grant money programs you are most likely to qualify for, and then follow the guidelines to submit your application.
Obama's Debt Relief Initiative - Sound Help For Hard Times!
With the abridgement in such a mess, it is not harder to acquisition oneself disturbing to accomplish ends meet. Layoffs, unemployment, and cuts in pay all advance to demanding times.
In 2008, the American humans adopted President Obama primarily because of his affiance for change. Whether you accede with his solutions or not, one accept to accept that he has appear out of the aboideau running. Debt abatement has been on the minds of every American.
Everyone has heard of the arguable federal dollars accustomed to the banks and big businesses to bond them out.
Funding has been allotted accretion apprentice banking abetment in the forms of grants and scholarships, apprentice loans are now repaid on a agenda based aloft assets and domiciliary size, rather than one rate. Homeowners are encouraged to refinance their loans for lower fixed-rate interests, or to access into a accommodation modification that will lower the account payments for those who are in default. Low-income homeowners accept grants accessible to them for home repairs, heating and air conditioning adjustment and the backup of windows and doors to advice accomplish the home added activity efficient.
Small business loans are acceptable easier to obtain, abnormally for women and grants accept been accustomed for business owners who apply low-income workers.
Credit agenda companies are now getting bound apropos the absorption ante and hidden fees they are able to charge. Debt adjustment has become an advantage to bankruptcy. In addition, the federal government offers chargeless self-help apprenticeship for all of the banking programs available, civilian acknowledged issues and bankruptcy.
In 2008, the American humans adopted President Obama primarily because of his affiance for change. Whether you accede with his solutions or not, one accept to accept that he has appear out of the aboideau running. Debt abatement has been on the minds of every American.
Everyone has heard of the arguable federal dollars accustomed to the banks and big businesses to bond them out.
Funding has been allotted accretion apprentice banking abetment in the forms of grants and scholarships, apprentice loans are now repaid on a agenda based aloft assets and domiciliary size, rather than one rate. Homeowners are encouraged to refinance their loans for lower fixed-rate interests, or to access into a accommodation modification that will lower the account payments for those who are in default. Low-income homeowners accept grants accessible to them for home repairs, heating and air conditioning adjustment and the backup of windows and doors to advice accomplish the home added activity efficient.
Small business loans are acceptable easier to obtain, abnormally for women and grants accept been accustomed for business owners who apply low-income workers.
Credit agenda companies are now getting bound apropos the absorption ante and hidden fees they are able to charge. Debt adjustment has become an advantage to bankruptcy. In addition, the federal government offers chargeless self-help apprenticeship for all of the banking programs available, civilian acknowledged issues and bankruptcy.
Thursday, October 29, 2009
Give An Outlet To Your Entrepreneurial Passion With Business Loans
Do you want to break free from the restrictions of the conventional corporate world? Do you long for independence in giving shape to your novel ideas that you are unable to do as a part of the corporate world?
There are many people in UK who wish to try out their entrepreneurial skills and turn their ideas and plans into reality. However, monetary constraints pose a major hindrance in the implementation of such ideas and plans.
A sound capital reserve is essential for starting up a business. And every person is not so fortunate to have the backing of a strong financial support.
But does that mean one should never get the opportunity to fulfill the passion of establishing his/her own business?
Various types of business loans are offered by the different banks and financial institutions in UK. These loans are devised taking into account the financial requirements for setting up a business or carrying out the business operations of an existing business.
Small but firm steps in the right direction do help a person reach his/her destination successfully. Small businesses if started in a planned way can reap handsome profits over a period of time.
Small business loans enable people to start up a business on a small scale, such as small stores, street stands, etc.
The number of women-owned businesses has increased over a number of years. More and more women entrepreneurs are venturing into the world of business with the help of business loans especially designed for women. These loans enable women to enjoy personal as well as financial independence in life by reaping profits from their businesses.
So, what are you waiting for? Give life and blood to your scintillating business ideas and enjoy the pleasure of being an entrepreneur!
There are many people in UK who wish to try out their entrepreneurial skills and turn their ideas and plans into reality. However, monetary constraints pose a major hindrance in the implementation of such ideas and plans.
A sound capital reserve is essential for starting up a business. And every person is not so fortunate to have the backing of a strong financial support.
But does that mean one should never get the opportunity to fulfill the passion of establishing his/her own business?
Various types of business loans are offered by the different banks and financial institutions in UK. These loans are devised taking into account the financial requirements for setting up a business or carrying out the business operations of an existing business.
Small but firm steps in the right direction do help a person reach his/her destination successfully. Small businesses if started in a planned way can reap handsome profits over a period of time.
Small business loans enable people to start up a business on a small scale, such as small stores, street stands, etc.
The number of women-owned businesses has increased over a number of years. More and more women entrepreneurs are venturing into the world of business with the help of business loans especially designed for women. These loans enable women to enjoy personal as well as financial independence in life by reaping profits from their businesses.
So, what are you waiting for? Give life and blood to your scintillating business ideas and enjoy the pleasure of being an entrepreneur!
The Best Programs to Help Single Moms
Life as a single mom can be tough. When push comes to shove, it helps to know there is assistance waiting for you. Whatever you need help with, there is probably a program to help single moms like you. Here are a few of the most basic options - depending upon the state in which you live, there might be others available to you.
Help for Housing. Government housing is available for those on fixed incomes or those who are out of work. Section 8 Housing, available through your local Department of Human Services, helps pay part of your rent.
Shelters are good for temporary assistance while you try to get back on your feet after losing your home to foreclosure, eviction, or the like. If you are looking into a home of your own and have the down payment to help finance it, places like Habitat for Humanity and AmeriDream are set up especially for you.
Help for Higher Education. Grants don't have to be paid back, and are quite common for use in financing higher education. Online classes are becoming a more popular option for those who can't afford to attend a traditional college setting.
You can work at your own pace and pay for the classes as you can afford them - it might take longer to get your degree, but the steady work pays off! Scholarships for single mothers, grants, and special loans are also available. Talk to the counselors at your choice school to find out what they offer.
Help for Finding a Job. Do you need help in finding a job? If you have skills to market but don't know where to start, career training centers can help. Each state has them, and they are meant for people just like you.
You can also get your GED there, and start on the path to higher education while you look for a job. If you need help with clothing, look into Dress for Success, a company that provides business attire for women entering the workforce. You can also find help at your local Goodwill or thrift store.
Help for Medical Care. Medical care for your children might be entirely free to you, thanks to state and federal programs that provide health care. Health departments provide checkups for you and your children, and most of them work on a sliding income scale, requesting only what you can reasonably afford.
Free or low-cost clinics are available, especially in larger cities, and you can also find prescription help there. Finally, some hospitals offer their services on a sliding scale or "indigent" services for those who can't afford to pay - talk to the financial office at the hospital for more information.
Help for Transportation. Sometimes having the gas money to get from one place to another can be tough, and that's where public transportation comes into play. If you qualify for food stamps or welfare, transportation services might be available to you through the Department of Human Services.
Vouchers for cab fare, free bus tickets, and transportation vans are often available to take you to doctor appointments, job fairs, and even grocery shopping. It's worth looking into!
Help for Housing. Government housing is available for those on fixed incomes or those who are out of work. Section 8 Housing, available through your local Department of Human Services, helps pay part of your rent.
Shelters are good for temporary assistance while you try to get back on your feet after losing your home to foreclosure, eviction, or the like. If you are looking into a home of your own and have the down payment to help finance it, places like Habitat for Humanity and AmeriDream are set up especially for you.
Help for Higher Education. Grants don't have to be paid back, and are quite common for use in financing higher education. Online classes are becoming a more popular option for those who can't afford to attend a traditional college setting.
You can work at your own pace and pay for the classes as you can afford them - it might take longer to get your degree, but the steady work pays off! Scholarships for single mothers, grants, and special loans are also available. Talk to the counselors at your choice school to find out what they offer.
Help for Finding a Job. Do you need help in finding a job? If you have skills to market but don't know where to start, career training centers can help. Each state has them, and they are meant for people just like you.
You can also get your GED there, and start on the path to higher education while you look for a job. If you need help with clothing, look into Dress for Success, a company that provides business attire for women entering the workforce. You can also find help at your local Goodwill or thrift store.
Help for Medical Care. Medical care for your children might be entirely free to you, thanks to state and federal programs that provide health care. Health departments provide checkups for you and your children, and most of them work on a sliding income scale, requesting only what you can reasonably afford.
Free or low-cost clinics are available, especially in larger cities, and you can also find prescription help there. Finally, some hospitals offer their services on a sliding scale or "indigent" services for those who can't afford to pay - talk to the financial office at the hospital for more information.
Help for Transportation. Sometimes having the gas money to get from one place to another can be tough, and that's where public transportation comes into play. If you qualify for food stamps or welfare, transportation services might be available to you through the Department of Human Services.
Vouchers for cab fare, free bus tickets, and transportation vans are often available to take you to doctor appointments, job fairs, and even grocery shopping. It's worth looking into!
Finding Federal Grants For Woman Owned Businesses
Grants are not Benefits or Entitlements. A Federal Grant is an award of financial assistance from a Federal agency to a recipient to carry out a public purpose of support or stimulation authorized by a law of the United States. Grants are not Federal assistance or loans to individuals.
Since 2002, the federal government has been developing and implementing Grants.gov as a collaborative cross-government program focused on streamlining grants management for the Federal grant community.
There are many U.
S. government grants that are available today. American citizens are not just aware or familiar with it because there is not advertisement about it. This is probably because there are no funds allocated for such announcements.
One specific type of grant gives focus on women alone. This can be research about women, other women oriented projects or businesses. Obviously the main requirement is that your project must focus on women, women's needs (like health) or you the grantee, must be a woman.
To be able to acquire that grant you need to focus on several things, these are the following:
- Know the different types of grants given for women
- Choose which one fits your needs
- Look into also if you are eligible for that grant you fancy.
- Get the application form or what some call as the grants application kit
- Review the necessary details necessary for the application
- Don't rush. Your writing must be well-written and succinct.
************************************
Did you know?
Applying at Grants.gov can reduce your costs and the time required to find government grant opportunities and process your application. The site provides access to multiple grantors and reduces paperwork.
By downloading a grant application package, you can view it offline, giving you the flexibility to complete the application when and where you want.
************************************
- Make sure that there are no errors, erasures and grammatical errors in your application.- It is very important that your written request be done very well. A well written paper gets the attention of the reviewers. You will have more chances that the grant be awarded to you.
- It would help you better if you can enroll yourself in a proposal writing class (there are online courses available too). You will be able to write your request in a much more understandable language that is very important for the reviewers.
- Make sure to pass your application before the deadline. If you can, try to pass it earlier so it will be the first in line. You don't know how much competition there is for business or research funding.
- Wait after a few days you will receive a report about the evaluation of your request. If you do get it they will request more information about you or your business endeavor.
This is a list of things you need to remember to get that grant but you must remember you need positive thinking and better writing to get it.
Don't be discouraged, instead feel empowered!
Since 2002, the federal government has been developing and implementing Grants.gov as a collaborative cross-government program focused on streamlining grants management for the Federal grant community.
There are many U.
S. government grants that are available today. American citizens are not just aware or familiar with it because there is not advertisement about it. This is probably because there are no funds allocated for such announcements.
One specific type of grant gives focus on women alone. This can be research about women, other women oriented projects or businesses. Obviously the main requirement is that your project must focus on women, women's needs (like health) or you the grantee, must be a woman.
To be able to acquire that grant you need to focus on several things, these are the following:
- Know the different types of grants given for women
- Choose which one fits your needs
- Look into also if you are eligible for that grant you fancy.
- Get the application form or what some call as the grants application kit
- Review the necessary details necessary for the application
- Don't rush. Your writing must be well-written and succinct.
************************************
Did you know?
Applying at Grants.gov can reduce your costs and the time required to find government grant opportunities and process your application. The site provides access to multiple grantors and reduces paperwork.
By downloading a grant application package, you can view it offline, giving you the flexibility to complete the application when and where you want.
************************************
- Make sure that there are no errors, erasures and grammatical errors in your application.- It is very important that your written request be done very well. A well written paper gets the attention of the reviewers. You will have more chances that the grant be awarded to you.
- It would help you better if you can enroll yourself in a proposal writing class (there are online courses available too). You will be able to write your request in a much more understandable language that is very important for the reviewers.
- Make sure to pass your application before the deadline. If you can, try to pass it earlier so it will be the first in line. You don't know how much competition there is for business or research funding.
- Wait after a few days you will receive a report about the evaluation of your request. If you do get it they will request more information about you or your business endeavor.
This is a list of things you need to remember to get that grant but you must remember you need positive thinking and better writing to get it.
Don't be discouraged, instead feel empowered!
Where to Find the Elusive Small Business Start-up Money for Women
If you are a woman small business owner looking for money to start up your business, I bet you've probably noticed how hard it is to find. Haven't you?If you've been having difficulty finding all those mythical millions—nay billions—of funding opportunities for women, join the crowd. Thousands upon thousands of women search the Internet each month looking for small business start-up money, and tens of thousands of women give up, feeling frustrated, disheartened, and baffled by money-promising scam sites which lead nowhere.
The fact is that the start-up money is not there. At least, not the way it used to be. However, don't give up hope!Funding opportunities for women starting up small businesses do exist. You just need to know where to look.Three Places to Find Small Business Start-up Money1. Visit www.grants.gov to find out if your business purpose fits within federal grant guidelines.On this site you can find and apply for a number of federal grants. For small business start-up loans, grants.gov redirects you to SBA.
gov. That's because the federal government works through agencies like the SBA when funding money for small business start-ups.2. Search for information on the Small Business Administration's website, www.SBA.gov.This is an excellent site for all your small business needs. Plus, as a bonus, there are many local SBA offices around the country where you can go and talk with a real live person.a. Finance Start-up page: http://www.sba.gov/services/financialassistance/grants/index.htmlThis page gives a list of grant and loan programs, though not the grants or loans themselves.
b. Local Resources: http://www.sba.gov/localresources/index.htmlOn this page, you can search for your nearest SBA.3. Contact the Rural Development Administration (USDA RDA) if your business is in a rural area: http://www.rurdev.usda.gov/The RDA provides assistance to businesses starting up in rural areas. Assistance usually comes in grant-loan combos, or just low interest loans.Five Strategies for Finding Small Business Start-up Money1. Take advantage of any assistance or information offered to small business owners by your state, county, or city government.
2. Ask owners of similar businesses how they funded their start-ups.3. Look for larger companies, organizations and foundations that share your purpose.4. Consider a loan-grant combo.5. Google: "small business start-up grant", + "your type of business".If you are a woman small business owner looking for money to start up your business, you've probably noticed how hard it is to find any. Money for starting up businesses is hard to come by, especially if you don't know where to look. If you've been searching to no avail for small business start-up money or have thrown up your hands in frustration because of all the scam sites that lead nowhere, hang on.
Don't give up yet! Funding opportunities for women small business owners do exist. Follow the information and links in this article to discover how and where you can get funding for your small business start-up.
The fact is that the start-up money is not there. At least, not the way it used to be. However, don't give up hope!Funding opportunities for women starting up small businesses do exist. You just need to know where to look.Three Places to Find Small Business Start-up Money1. Visit www.grants.gov to find out if your business purpose fits within federal grant guidelines.On this site you can find and apply for a number of federal grants. For small business start-up loans, grants.gov redirects you to SBA.
gov. That's because the federal government works through agencies like the SBA when funding money for small business start-ups.2. Search for information on the Small Business Administration's website, www.SBA.gov.This is an excellent site for all your small business needs. Plus, as a bonus, there are many local SBA offices around the country where you can go and talk with a real live person.a. Finance Start-up page: http://www.sba.gov/services/financialassistance/grants/index.htmlThis page gives a list of grant and loan programs, though not the grants or loans themselves.
b. Local Resources: http://www.sba.gov/localresources/index.htmlOn this page, you can search for your nearest SBA.3. Contact the Rural Development Administration (USDA RDA) if your business is in a rural area: http://www.rurdev.usda.gov/The RDA provides assistance to businesses starting up in rural areas. Assistance usually comes in grant-loan combos, or just low interest loans.Five Strategies for Finding Small Business Start-up Money1. Take advantage of any assistance or information offered to small business owners by your state, county, or city government.
2. Ask owners of similar businesses how they funded their start-ups.3. Look for larger companies, organizations and foundations that share your purpose.4. Consider a loan-grant combo.5. Google: "small business start-up grant", + "your type of business".If you are a woman small business owner looking for money to start up your business, you've probably noticed how hard it is to find any. Money for starting up businesses is hard to come by, especially if you don't know where to look. If you've been searching to no avail for small business start-up money or have thrown up your hands in frustration because of all the scam sites that lead nowhere, hang on.
Don't give up yet! Funding opportunities for women small business owners do exist. Follow the information and links in this article to discover how and where you can get funding for your small business start-up.
How To Easily Start A Women Owned Business From Home
The boom in home based businesses for women could be due to the fact that more women want to be able to stay at home with their children without sacrificing a career. Many want more flexibility, independence and control, instead of being told what to do. It is a way to escape the glass ceiling of the corporate world.
A women owned business from home gives many women the opportunity to have the best of both worlds - they can seek a career and follow their dreams, bring supplemental (or main) income into the home while still spending time with the children.
However, you must have a high level of discipline and motivation to be able to run a successful home based business. There will be inevitable distractions from children, household chores or visiting friends.
Here are 4 tips to starting a women owned business from home.
Business planning
The key to starting and running a business is proper planning. You can find plenty of tools and resources online to help you develop a business plan.
You need to identify your business goals and objectives, business structure, strengths and weaknesses, marketing strategy and financial management.
Time management
Managing your time is crucial. It can be very tempting to walk away from your work to take care of something else in the home. Conversely, you may spend more time working, thus neglecting your home and family. Either of these will cause conflict and prevent your business from being successful. It is crucial to balance your time in your work and at home. Setting goals for each day will help you manage your time properly.
Business idea
How will you know what type of business to undertake? It is important to do something that you already enjoy which is why you can begin by taking a look at your interests and hobbies.
What are some of the things you feel passionate about? Set down and make a list of all the things you enjoy doing and see which one would be feasible to turn into a home based business. Many women-owned businesses began with what was someone's hobby or interest that they learned how to market.
Source of funding
The amount of money you need to get started will depend primarily on what type of business you choose to own. There are different ways to receive funding - such as loans, grants and special programs.
You can contact the women's business centers in your country to get information about government funding for women owned businesses. You should also ask around the community and find out if there are companies, organizations or banks that are willing to fund your new business start-up.
A women owned business from home gives many women the opportunity to have the best of both worlds - they can seek a career and follow their dreams, bring supplemental (or main) income into the home while still spending time with the children.
However, you must have a high level of discipline and motivation to be able to run a successful home based business. There will be inevitable distractions from children, household chores or visiting friends.
Here are 4 tips to starting a women owned business from home.
Business planning
The key to starting and running a business is proper planning. You can find plenty of tools and resources online to help you develop a business plan.
You need to identify your business goals and objectives, business structure, strengths and weaknesses, marketing strategy and financial management.
Time management
Managing your time is crucial. It can be very tempting to walk away from your work to take care of something else in the home. Conversely, you may spend more time working, thus neglecting your home and family. Either of these will cause conflict and prevent your business from being successful. It is crucial to balance your time in your work and at home. Setting goals for each day will help you manage your time properly.
Business idea
How will you know what type of business to undertake? It is important to do something that you already enjoy which is why you can begin by taking a look at your interests and hobbies.
What are some of the things you feel passionate about? Set down and make a list of all the things you enjoy doing and see which one would be feasible to turn into a home based business. Many women-owned businesses began with what was someone's hobby or interest that they learned how to market.
Source of funding
The amount of money you need to get started will depend primarily on what type of business you choose to own. There are different ways to receive funding - such as loans, grants and special programs.
You can contact the women's business centers in your country to get information about government funding for women owned businesses. You should also ask around the community and find out if there are companies, organizations or banks that are willing to fund your new business start-up.
Wednesday, October 28, 2009
How to Convert Term Insurance to Permanent Insurance
Federal grants for individuals are awarded each and every year. Visit Here http://gov-debt-grantbenefit.blogspot.com Government grant programs have been in place for years and are dispersed to students, moms, dads and anyone who is 18 years of age and above who applies. Grants differ in their scope depending on which you apply for. For example, there are small business government grants, down payment grants, grants for minority women, daycare grants, government grants for disabled people, religious grants and there are federal housing grants.
There are quite a few programs that can help anyone start a business, buy a home or even take care of their personal needs. In order qualify you need to be at least 18 years of age and a legal United States citizen. The government will not run a credit check on you in order qualify for money, and they do not run a background or any security checks. Any money that you receive is always interest-free and there are no taxes that you have to pay. It is essentially a gift.Other grant programs include first-time home buyer grants, grants for single moms, solar panel grants, cosmetology grants, the list goes on and on.
Last year over 5 million people receive the government funding. This money originates from wealthy corporations who have to pay 5% of their income per year in taxes to remain in the same tax bracket. The government then turns around and puts this money towards the economy in order to help stimulate it. Contrary to popular belief, the government does not want you broke, they prefer you to have your own your own business. The reason is simple; when you have your own business you have the possibility of employing other Americans and help to stimulate the economy.
There are quite a few grants for women such as grants for single moms, small business grants for women, Native American grants, African-American grants, and grants for minority women. There are hundreds of other programs available as the United States will again issues out over $1 trillion in funding to those who apply. There are are no limits to how many programs you can apply for, as the government does not currently have any restrictions on this. So, instead of going to the bank to get a loan that you have to pay back and put your credit score risk, there are a myriad of programs available that can help anyone achieve their dreams with free money you never have to pay back.
Visit Here http://gov-debt-grantbenefit.blogspot.com Â
There are quite a few programs that can help anyone start a business, buy a home or even take care of their personal needs. In order qualify you need to be at least 18 years of age and a legal United States citizen. The government will not run a credit check on you in order qualify for money, and they do not run a background or any security checks. Any money that you receive is always interest-free and there are no taxes that you have to pay. It is essentially a gift.Other grant programs include first-time home buyer grants, grants for single moms, solar panel grants, cosmetology grants, the list goes on and on.
Last year over 5 million people receive the government funding. This money originates from wealthy corporations who have to pay 5% of their income per year in taxes to remain in the same tax bracket. The government then turns around and puts this money towards the economy in order to help stimulate it. Contrary to popular belief, the government does not want you broke, they prefer you to have your own your own business. The reason is simple; when you have your own business you have the possibility of employing other Americans and help to stimulate the economy.
There are quite a few grants for women such as grants for single moms, small business grants for women, Native American grants, African-American grants, and grants for minority women. There are hundreds of other programs available as the United States will again issues out over $1 trillion in funding to those who apply. There are are no limits to how many programs you can apply for, as the government does not currently have any restrictions on this. So, instead of going to the bank to get a loan that you have to pay back and put your credit score risk, there are a myriad of programs available that can help anyone achieve their dreams with free money you never have to pay back.
Visit Here http://gov-debt-grantbenefit.blogspot.com Â
Business Loans For Woman - For Better Start Up
Let's have look upon the segregation of the term woman. W- Wise o - organised m - managed a - alacrity n - nimble. With the gravity of time everything, living or non-living, takes its shape according to the provided circumstances. No one can ever remain detached to it. Today, compassionate women have taken to work in proportionate to their managerial skills. However, to create every possible opportunity for women-entrepreneurs, fund plays a pivotal role. With the help of business loans for woman, the financial furor gets its way.
Under the provisions of business loans for woman, entrepreneurs try to invest the sanctioned amount as per their infrastructural development. Whether you are expanding the existing business, or in for establishment of a new business, purchasing equipments or machineries for your dream business and paying business due, are always main areas of attraction.
For all that, business loans for woman have been categorised into two forms i.e., secured and unsecured forms of business loans for woman.
On applying for the former i.e., secured loans, arrangement of collateral keeps an important part of it, while the latter i.e., unsecured forms of business loans for woman are given without any sort of pledging placing. Entrepreneurs get the required sum of money as they wish to, in the way they applying these loans for.
Across the country, lenders have come up with business loans for woman. Interestingly, these loans for woman are offered on competitive rates. To this effect, women-entrepreneurs are required to do a bit research online or offline.
If you feel somewhat uncomfortable asking question from lender, then online method of applying is a perfect option for them. Sitting in your home you can access the lender, can go through the terms and conditions of business loans for woman. And, obviously apply for business loans for women to the lending authority via the online processing. The processing is simple; borrowers get the required sum without late.
Under the provisions of business loans for woman, entrepreneurs try to invest the sanctioned amount as per their infrastructural development. Whether you are expanding the existing business, or in for establishment of a new business, purchasing equipments or machineries for your dream business and paying business due, are always main areas of attraction.
For all that, business loans for woman have been categorised into two forms i.e., secured and unsecured forms of business loans for woman.
On applying for the former i.e., secured loans, arrangement of collateral keeps an important part of it, while the latter i.e., unsecured forms of business loans for woman are given without any sort of pledging placing. Entrepreneurs get the required sum of money as they wish to, in the way they applying these loans for.
Across the country, lenders have come up with business loans for woman. Interestingly, these loans for woman are offered on competitive rates. To this effect, women-entrepreneurs are required to do a bit research online or offline.
If you feel somewhat uncomfortable asking question from lender, then online method of applying is a perfect option for them. Sitting in your home you can access the lender, can go through the terms and conditions of business loans for woman. And, obviously apply for business loans for women to the lending authority via the online processing. The processing is simple; borrowers get the required sum without late.
What Is The Process Involved For Women To Avail Grants?
There are thousands of people who start a new business every year and you will also be surprise to hear that nearly half of the businesses started are by the women.
You would also be surprised to hear that women are nearly 75 percent more likely to start a successful business than compared to men and it would make sense when you start thinking about it.
In the United States the women are the largest voting group which means that if the government wants to stay in power they will have to provide what the women want.
Providing grants and loans to the women in United States has been the best way for these female entrepreneurs who wish to succeed in business.
Business Funds for Women
Most of the women seem to have a presumption that when they need to start up a business they are not many options when it comes to funding their new business.
However the United States government would certainly seem to be like the last organization through which the females can get their business running on its feet. Therefore there are a number of entrepreneurs and not just women who run into financial problems through credit cards, personal loans and through high interest deals which are not worth availing.
The US government has actually set aside billions of dollars from their budget in order to satisfy the needs of thousand of people every year. This is rather not a small number and there are nearly 500,000 women who use these US government grants every year and they are also aware about the impact that these government grants have on their business.
Process for Women Business Grants
When you apply for any business loan that requires you to have some of your pervious business credit report to be offered but in case of a US business grant for women there is not need for an any credit report.
The women can easily avail business grants through the US government just by providing a list of their financial goals and business to the government grant office. When the grant application has been offered and is approved by the government office the forwarding process of the goals that are mentioned would be suffice to the grant lender for their lifetime. The US government grant for women is rather a very simple process which does not require any complications and confusion that a business loan includes when providing a loan to female entrepreneur.
Using Business Grants
The business grants offered to women in United States can also be used for different business expenses. Most of the businesses would require an office either own or on rent and you can use these government women business grants for the purpose.
The salaries for your employees can also be drawn from the grants for women including the overhead expense. Apart from this the business grants offered by US government can also be used not just to start up a new business but can also be used to purchase or to expand the existing business.
You would also be surprised to hear that women are nearly 75 percent more likely to start a successful business than compared to men and it would make sense when you start thinking about it.
In the United States the women are the largest voting group which means that if the government wants to stay in power they will have to provide what the women want.
Providing grants and loans to the women in United States has been the best way for these female entrepreneurs who wish to succeed in business.
Business Funds for Women
Most of the women seem to have a presumption that when they need to start up a business they are not many options when it comes to funding their new business.
However the United States government would certainly seem to be like the last organization through which the females can get their business running on its feet. Therefore there are a number of entrepreneurs and not just women who run into financial problems through credit cards, personal loans and through high interest deals which are not worth availing.
The US government has actually set aside billions of dollars from their budget in order to satisfy the needs of thousand of people every year. This is rather not a small number and there are nearly 500,000 women who use these US government grants every year and they are also aware about the impact that these government grants have on their business.
Process for Women Business Grants
When you apply for any business loan that requires you to have some of your pervious business credit report to be offered but in case of a US business grant for women there is not need for an any credit report.
The women can easily avail business grants through the US government just by providing a list of their financial goals and business to the government grant office. When the grant application has been offered and is approved by the government office the forwarding process of the goals that are mentioned would be suffice to the grant lender for their lifetime. The US government grant for women is rather a very simple process which does not require any complications and confusion that a business loan includes when providing a loan to female entrepreneur.
Using Business Grants
The business grants offered to women in United States can also be used for different business expenses. Most of the businesses would require an office either own or on rent and you can use these government women business grants for the purpose.
The salaries for your employees can also be drawn from the grants for women including the overhead expense. Apart from this the business grants offered by US government can also be used not just to start up a new business but can also be used to purchase or to expand the existing business.
How Microenterprise Can Help You Achieve the "American Dream"
Do you have an idea for starting your own business? Have you ever dreamed of being your own boss, having the freedom that comes of working for yourself instead of someone else? Are you ready to weave your dreams into reality?
If you think you've got what it takes to become an entrepreneur, but you need a little help getting started - training, technical assistance or start-up capital, then maybe what you need - is microenterprise.
There are over 500 microenterprise development programs in the U.S.
alone. Microenterprise Development Programs have been around since the 1970s, and were created to provide you with the support you need to become a successful microbusiness owner.
What is a microbusiness?
A microbusiness is defined as a business with five or fewer employees that was started for less than $35,000 and has an annual revenue of less than $100,000.
What kinds of businesses are eligible for microenterprise loans?
Traditional businesses such as: beauty parlors, bakeries, auto or small engine repair shops, childcare facilities, dance studios and arts and craft sellers.
Nontraditional businesses such as: massage therapists, event planners, business or life coaches, soap and essential oils manufacturers and acupuncturists.
No Credit or Bad Credit, Low-income People PLEASE Apply:
If you've got bad credit or no credit, you're considered low or middle income, and you don't have the collateral to get a loan through traditional methods, then you're a prime candidate for a microenterprise development program!
What Can a Microenterprise Development Program do for you?
*Provide you with the individualized training, support and technical assistance you need to be successful
*Help you develop a solid business plan
*Put you in touch with other microbusiness owners, create business contacts and build a strong support network
*Provide you with access to credit through a MicroLoan, to give you the start-up capital you need to succeed
Where can you Find a Microenterprise Development Program in Your Community?
*Check out local nonprofit organizations such as the United Way, local community colleges or Small Business Development Center
*Talk to a SCORE Counselor
*Visit your local Chamber of Commerce
*Contact your local women's organization or other small business group
*Visit http://www.
microenterprisesuccess.com for free resources, information about programs broken down by state and helpful small business articles
Cheryl Antier is the President and CEO of Dream Weaver Enterprises, a business and fundraising consulting company. MAPS (Microenterprise Answers to your Personal Success)is a Website that was created as her way of giving something back for the blessings she's received in her life. Although created especially for women, http://www.microenterprisesuccess.com offers information to every small business owner who is ready to take their business to the next level.
If you want inside information about where to get grants to start your business, "Directions" can help you get from where you are now, to where you want to end up. Learn about the latest programs and know if you qualify BEFORE you apply. Never be taken in by a con artist again -- monthly ALERTS will warn you about scams. Each issue is jam packed with information about a specific hot business topic, so you're guaranteed to learn what you need to know, quickly and easily each and every month. Subscribing is easy, and you can unsubscribe at any time with a simple click o your mouse.
Your information is always private.
If you think you've got what it takes to become an entrepreneur, but you need a little help getting started - training, technical assistance or start-up capital, then maybe what you need - is microenterprise.
There are over 500 microenterprise development programs in the U.S.
alone. Microenterprise Development Programs have been around since the 1970s, and were created to provide you with the support you need to become a successful microbusiness owner.
What is a microbusiness?
A microbusiness is defined as a business with five or fewer employees that was started for less than $35,000 and has an annual revenue of less than $100,000.
What kinds of businesses are eligible for microenterprise loans?
Traditional businesses such as: beauty parlors, bakeries, auto or small engine repair shops, childcare facilities, dance studios and arts and craft sellers.
Nontraditional businesses such as: massage therapists, event planners, business or life coaches, soap and essential oils manufacturers and acupuncturists.
No Credit or Bad Credit, Low-income People PLEASE Apply:
If you've got bad credit or no credit, you're considered low or middle income, and you don't have the collateral to get a loan through traditional methods, then you're a prime candidate for a microenterprise development program!
What Can a Microenterprise Development Program do for you?
*Provide you with the individualized training, support and technical assistance you need to be successful
*Help you develop a solid business plan
*Put you in touch with other microbusiness owners, create business contacts and build a strong support network
*Provide you with access to credit through a MicroLoan, to give you the start-up capital you need to succeed
Where can you Find a Microenterprise Development Program in Your Community?
*Check out local nonprofit organizations such as the United Way, local community colleges or Small Business Development Center
*Talk to a SCORE Counselor
*Visit your local Chamber of Commerce
*Contact your local women's organization or other small business group
*Visit http://www.
microenterprisesuccess.com for free resources, information about programs broken down by state and helpful small business articles
Cheryl Antier is the President and CEO of Dream Weaver Enterprises, a business and fundraising consulting company. MAPS (Microenterprise Answers to your Personal Success)is a Website that was created as her way of giving something back for the blessings she's received in her life. Although created especially for women, http://www.microenterprisesuccess.com offers information to every small business owner who is ready to take their business to the next level.
If you want inside information about where to get grants to start your business, "Directions" can help you get from where you are now, to where you want to end up. Learn about the latest programs and know if you qualify BEFORE you apply. Never be taken in by a con artist again -- monthly ALERTS will warn you about scams. Each issue is jam packed with information about a specific hot business topic, so you're guaranteed to learn what you need to know, quickly and easily each and every month. Subscribing is easy, and you can unsubscribe at any time with a simple click o your mouse.
Your information is always private.
Financing & 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 comes 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.
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 comes 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.
Did you find this article useful? ÂFor more useful tips and  hints, points to ponder and keep in mind, techniques, and insights pertaining to Internet Business, do please browse for more information at our websites. <a onClick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.adsence-dollar-factory.com">http://www.adsence-dollar-factory.com</a> <a onClick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.
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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 comes 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.
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 comes 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.
Did you find this article useful? ÂFor more useful tips and  hints, points to ponder and keep in mind, techniques, and insights pertaining to Internet Business, do please browse for more information at our websites. <a onClick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.adsence-dollar-factory.com">http://www.adsence-dollar-factory.com</a> <a onClick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.
100earningtips.com">http://www.100earningtips.com</a>
Monday, October 26, 2009
Woman Business Loans Uk:inspiring Women Entrepreneurs
Women of UK have proofed their rights and existence not only in family limitations but also in corporate sector. They had well established themselves in every sector and had given fruitful results and had set examples not to give hope. Thus, to create every possible opportunity for women, funds are advanced in the form of loans. With the help of women business loans UK, they can set a business of their own rather then rely on somebody.
The objectives and aims of women business loans UK is to finance for setting up a new business, use the fund to expand the existing business, to takeover another business, purchase equipments or machineries for business and paying business dues.
Despite the mentioned objectives, women can use the loan to meet every business related ends.
In UK, lenders have come up with women business loans UK to provide advance with competitive rates. The applicants need to search in the competitive market the low offers, favourable terms and also suitable according to financial ability and then she can click on for a reliable deal.
Women business loans UK are classified into two options like any other loans: secured and unsecured loans. In secured option, applicants have to place collateral for approval of the loans.
This option can be availed by those women who have collateral to place. Collateral accepted are home, car, land, estate etc. Applicants can secure large amount of loan under this option for a long repayment term. And women without or unwilling to place collateral can apply for unsecured women business loans UK.
The UK women can also avail the women business loans UK through online mode. Approaching a lender and approval becomes much simpler and convenient through this mode. It is a low cost application method, faster than tradition method and moreover saves time.
The female applicant can approach despite their bad credit score but with a little high rate of interest than offered to a good credit scorer. The female business entrepreneurs can improve their financial status by being regular in the instalments.
Thus, women business loans UK helps every women applicant to establish their own identity through business sector.
The objectives and aims of women business loans UK is to finance for setting up a new business, use the fund to expand the existing business, to takeover another business, purchase equipments or machineries for business and paying business dues.
Despite the mentioned objectives, women can use the loan to meet every business related ends.
In UK, lenders have come up with women business loans UK to provide advance with competitive rates. The applicants need to search in the competitive market the low offers, favourable terms and also suitable according to financial ability and then she can click on for a reliable deal.
Women business loans UK are classified into two options like any other loans: secured and unsecured loans. In secured option, applicants have to place collateral for approval of the loans.
This option can be availed by those women who have collateral to place. Collateral accepted are home, car, land, estate etc. Applicants can secure large amount of loan under this option for a long repayment term. And women without or unwilling to place collateral can apply for unsecured women business loans UK.
The UK women can also avail the women business loans UK through online mode. Approaching a lender and approval becomes much simpler and convenient through this mode. It is a low cost application method, faster than tradition method and moreover saves time.
The female applicant can approach despite their bad credit score but with a little high rate of interest than offered to a good credit scorer. The female business entrepreneurs can improve their financial status by being regular in the instalments.
Thus, women business loans UK helps every women applicant to establish their own identity through business sector.
Understanding Your Rights Under The Equal Credit Opportunity Act
It wasn't all that long ago that lenders blatantly discriminated when it came to approving credit for women and minority groups. Women were actually asked personal and demeaning questions like, how many children do you plan to have in the future or are you on birth control?
Despite the fact that they were entering the workforce in record numbers, single women were often required to get a cosigner or denied credit altogether. Members of minority groups were denied credit as well, even though they were fully qualified.
Today thanks to the Equal Credit Opportunity Act, millions of consumers from all walks of life are given and equal chance to obtain and use credit to finance educations, buy or remodel homes or get small business loans.
The Equal Credit Opportunity Act, which was passed by congress in 1973 first banned discrimination in credit access on the basis of sex or marital status and was later amended to include race, religion, national origin and age. Of course, this doesn't mean all consumers who apply for credit get it.
Factors such as income, expenses, debt and credit history are considerations for credit worthiness.
But the law protects you when you deal with any creditor who regularly extends credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions. Anyone involved in granting credit, such as real estate brokers who arrange financing, is covered by the law. Businesses applying for credit also are protected by the law.
When You Apply For Credit, A Creditor May Not.
Discourage you from applying for credit because of your sex, marital status, age, race, national origin, or because you receive public assistance income.
Ask you to reveal your sex, race, national origin, or religion. A creditor may ask you to voluntarily disclose this information, except for religion if you're applying for a real estate loan. This information helps federal agencies enforce anti discrimination laws. You may be asked about your residence or immigration status.
Ask if you're widowed or divorced.
When permitted to ask marital status, a creditor may only use the terms: married, unmarried, or separated.
Ask about your marital status if you're applying for a separate, unsecured account. A creditor may ask you to provide this information if you live in community property states, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, and Washington. A creditor in any state may ask for this information if you apply for a joint credit account or one secured by property.
Request information about your spouse, except when your spouse is applying for credit with you.
Note: your spouse will be allowed to use the credit account. You are relying on your spouse's income or on alimony or child support income from a former spouse; or if you reside in a community property state.
Inquire about your plans for having or raising children.
Ask if you receive alimony, child support, or separate maintenance payments, unless you're first told that, you don't have to provide this information if you won't rely on these payments to get credit. A creditor may ask if you have to pay alimony, child support, or separate maintenance payments.
A Special Note To Women
A good credit history, a record of how you paid past bills often is necessary to get credit. Unfortunately, this hurts many married, separated, divorced, and widowed women. There are two common reasons women don't have credit histories in their own names: they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in the husband's name only.
If you're married, divorced, separated, or widowed, contact the credit bureaus to make sure all relevant information is in a file under your own name.
Copyright ฉ Credit and You | All Rights Reserved |
To find additional rights you have, what a creditor may not do: when deciding to give you credit or evaluating your income for credit and what to do if you suspect discrimination visit http://www.creditandyou.com/yourcreditrights.html it's free information website!
Despite the fact that they were entering the workforce in record numbers, single women were often required to get a cosigner or denied credit altogether. Members of minority groups were denied credit as well, even though they were fully qualified.
Today thanks to the Equal Credit Opportunity Act, millions of consumers from all walks of life are given and equal chance to obtain and use credit to finance educations, buy or remodel homes or get small business loans.
The Equal Credit Opportunity Act, which was passed by congress in 1973 first banned discrimination in credit access on the basis of sex or marital status and was later amended to include race, religion, national origin and age. Of course, this doesn't mean all consumers who apply for credit get it.
Factors such as income, expenses, debt and credit history are considerations for credit worthiness.
But the law protects you when you deal with any creditor who regularly extends credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions. Anyone involved in granting credit, such as real estate brokers who arrange financing, is covered by the law. Businesses applying for credit also are protected by the law.
When You Apply For Credit, A Creditor May Not.
Discourage you from applying for credit because of your sex, marital status, age, race, national origin, or because you receive public assistance income.
Ask you to reveal your sex, race, national origin, or religion. A creditor may ask you to voluntarily disclose this information, except for religion if you're applying for a real estate loan. This information helps federal agencies enforce anti discrimination laws. You may be asked about your residence or immigration status.
Ask if you're widowed or divorced.
When permitted to ask marital status, a creditor may only use the terms: married, unmarried, or separated.
Ask about your marital status if you're applying for a separate, unsecured account. A creditor may ask you to provide this information if you live in community property states, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, and Washington. A creditor in any state may ask for this information if you apply for a joint credit account or one secured by property.
Request information about your spouse, except when your spouse is applying for credit with you.
Note: your spouse will be allowed to use the credit account. You are relying on your spouse's income or on alimony or child support income from a former spouse; or if you reside in a community property state.
Inquire about your plans for having or raising children.
Ask if you receive alimony, child support, or separate maintenance payments, unless you're first told that, you don't have to provide this information if you won't rely on these payments to get credit. A creditor may ask if you have to pay alimony, child support, or separate maintenance payments.
A Special Note To Women
A good credit history, a record of how you paid past bills often is necessary to get credit. Unfortunately, this hurts many married, separated, divorced, and widowed women. There are two common reasons women don't have credit histories in their own names: they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in the husband's name only.
If you're married, divorced, separated, or widowed, contact the credit bureaus to make sure all relevant information is in a file under your own name.
Copyright ฉ Credit and You | All Rights Reserved |
To find additional rights you have, what a creditor may not do: when deciding to give you credit or evaluating your income for credit and what to do if you suspect discrimination visit http://www.creditandyou.com/yourcreditrights.html it's free information website!
Five Secrets Every Woman Should Know BEFORE Signing Any Credit Application
Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other? If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit application.
VITAL KEY #1: According to the Federal Equal Credit Opportunity Act (FECOA) creditors cannot deny consumers access to credit because of their sex. However, on average (in surveys) it's reported that women earn less money than men. Regardless of what the FECOA states, the relationship of credit to income is very strong.
In our society if you make less money you will get less credit, period. The sad fact is that women on there own have less access to credit. It's for this reason (I believe) it is imperative that women learn and acquire more knowledge about credit than men. Knowledge is power; and in the world of credit that knowledge will often times prove to be priceless, especially for women.
VITAL KEY #2: If you are a married woman with JOINT credit (meaning all your credit accounts are jointly held with your husband) you have NO CREDIT yourself.
Many women in America find this out the hard way every year when they get divorced and lose all their credit privileges since all their accounts were jointly held with their spouse. If you are a woman in this position you can greatly benefit by beginning to build your own credit in your own name starting today! The benefits are two fold.
1.) If your spouse has financial difficulties (for any reason) and is forced to file bankruptcy or their credit becomes derogatory, you and your spouse will have your credit in reserve to survive on.
2.) If you ever get divorced down the road (over 50% do and 76% in the state of California) you will NOT end up in financial hardship due to no credit and/or derogatory credit. Instead, you will have your credit to transition to and (believe me) this can be the difference between sailing off in the sunset or drowning in a storm.
VITAL KEY #3: If you are currently married (with some credit or no credit) to a spouse who has excellent credit, you can leverage their credit to build credit in your own name much faster than if you had to build it by yourself.
Later, once you have established enough accounts on your own, you may choose to cancel accounts that were held jointly with your spouse.
VITAL KEY #4: If you are a single woman with excellent credit and are getting married you may want to think twice about adding your new lover to all your credit accounts. If he messes up or you end up in divorce down the road your credit will end up taking the beating (regardless of how many years you diligently spent building it up). For this reason, I strongly suggest married couples keep their credit separate.
Why?
In most cases spouses have far more to lose than to gain. Naturally, some credit will have to be joint no matter what you do. If you purchase a home (which may require both incomes to qualify) this will appear as a joint account on the credit report. However, the potential abuse with a home mortgage is almost non existent as opposed to Credit Cards.
VITAL KEY #5: Spouses have more to gain by each building strong individual credit reports rather than joining all accounts and building one joint report.
For obvious reasons, banks and credit card companies love the "credit ignorance" of spouses who join all their credit accounts upon marriage.
Here's why: If you take 500,000 couples with credit before they got married, those 500,000 couples actually represent one million credit accounts and liabilities for the banks and lenders. When those couples got married, those one million credit liabilities were instantly were cut in half from one million to only 500,000. For banks this is a very advantageous situation.
For the couples getting married (if they have financial trouble) the deal is a little raw. If they have trouble, although they are two people, they are represented by only one credit report. The bank now has the right to go after two different people for one account (regardless of who was financially negligent).
For moment, let's play out the same scenario with a couple which is financially savvy (note: they're both on the same "team" but financially savvy). In this scenario, the couple gets married, but instead of joining account each builds their individual credit reports.
Now this couple (team) has not one credit report representing them but two. Metaphorically, if the perfect storm (financially) is to rise, this is the difference between the couple being in the ocean with two ships instead of one. If the one ship starts to sink, the couple can always "jump ship" to the second.
While some may criticize this thinking it is no different than buying any kind of insurance. You buy insurance not because you plan on a problem. You buy insurance because you are thinking ahead.
This type of thinking is no different. However, if you want to be ahead of the pack that you need to think ahead of the pack.
I cannot tell you how many times I have talked to loving married couples in financial trouble who only WISHED they would have known about these five vital keys before they got into financial trouble. Take them, study them, apply them to your life. As I heard one woman put it "In business and in life I've learned to expect the best but plan for the worst". I thought her words were brilliant.
However, I have found that when I expect the best… many times I tend to get it! Take these five vital keys. Study them. Apply them. Then pass them on to someone else who can benefit from them.
Jay Peters is the founder of Consumer Education Group which publishes the Credit Secrets Bible (in print since 1994). To receive Free Credit Tips including "how to get your credit reports for free" visit their website:
http://www.CreditSecretsBible.ORG
VITAL KEY #1: According to the Federal Equal Credit Opportunity Act (FECOA) creditors cannot deny consumers access to credit because of their sex. However, on average (in surveys) it's reported that women earn less money than men. Regardless of what the FECOA states, the relationship of credit to income is very strong.
In our society if you make less money you will get less credit, period. The sad fact is that women on there own have less access to credit. It's for this reason (I believe) it is imperative that women learn and acquire more knowledge about credit than men. Knowledge is power; and in the world of credit that knowledge will often times prove to be priceless, especially for women.
VITAL KEY #2: If you are a married woman with JOINT credit (meaning all your credit accounts are jointly held with your husband) you have NO CREDIT yourself.
Many women in America find this out the hard way every year when they get divorced and lose all their credit privileges since all their accounts were jointly held with their spouse. If you are a woman in this position you can greatly benefit by beginning to build your own credit in your own name starting today! The benefits are two fold.
1.) If your spouse has financial difficulties (for any reason) and is forced to file bankruptcy or their credit becomes derogatory, you and your spouse will have your credit in reserve to survive on.
2.) If you ever get divorced down the road (over 50% do and 76% in the state of California) you will NOT end up in financial hardship due to no credit and/or derogatory credit. Instead, you will have your credit to transition to and (believe me) this can be the difference between sailing off in the sunset or drowning in a storm.
VITAL KEY #3: If you are currently married (with some credit or no credit) to a spouse who has excellent credit, you can leverage their credit to build credit in your own name much faster than if you had to build it by yourself.
Later, once you have established enough accounts on your own, you may choose to cancel accounts that were held jointly with your spouse.
VITAL KEY #4: If you are a single woman with excellent credit and are getting married you may want to think twice about adding your new lover to all your credit accounts. If he messes up or you end up in divorce down the road your credit will end up taking the beating (regardless of how many years you diligently spent building it up). For this reason, I strongly suggest married couples keep their credit separate.
Why?
In most cases spouses have far more to lose than to gain. Naturally, some credit will have to be joint no matter what you do. If you purchase a home (which may require both incomes to qualify) this will appear as a joint account on the credit report. However, the potential abuse with a home mortgage is almost non existent as opposed to Credit Cards.
VITAL KEY #5: Spouses have more to gain by each building strong individual credit reports rather than joining all accounts and building one joint report.
For obvious reasons, banks and credit card companies love the "credit ignorance" of spouses who join all their credit accounts upon marriage.
Here's why: If you take 500,000 couples with credit before they got married, those 500,000 couples actually represent one million credit accounts and liabilities for the banks and lenders. When those couples got married, those one million credit liabilities were instantly were cut in half from one million to only 500,000. For banks this is a very advantageous situation.
For the couples getting married (if they have financial trouble) the deal is a little raw. If they have trouble, although they are two people, they are represented by only one credit report. The bank now has the right to go after two different people for one account (regardless of who was financially negligent).
For moment, let's play out the same scenario with a couple which is financially savvy (note: they're both on the same "team" but financially savvy). In this scenario, the couple gets married, but instead of joining account each builds their individual credit reports.
Now this couple (team) has not one credit report representing them but two. Metaphorically, if the perfect storm (financially) is to rise, this is the difference between the couple being in the ocean with two ships instead of one. If the one ship starts to sink, the couple can always "jump ship" to the second.
While some may criticize this thinking it is no different than buying any kind of insurance. You buy insurance not because you plan on a problem. You buy insurance because you are thinking ahead.
This type of thinking is no different. However, if you want to be ahead of the pack that you need to think ahead of the pack.
I cannot tell you how many times I have talked to loving married couples in financial trouble who only WISHED they would have known about these five vital keys before they got into financial trouble. Take them, study them, apply them to your life. As I heard one woman put it "In business and in life I've learned to expect the best but plan for the worst". I thought her words were brilliant.
However, I have found that when I expect the best… many times I tend to get it! Take these five vital keys. Study them. Apply them. Then pass them on to someone else who can benefit from them.
Jay Peters is the founder of Consumer Education Group which publishes the Credit Secrets Bible (in print since 1994). To receive Free Credit Tips including "how to get your credit reports for free" visit their website:
http://www.CreditSecretsBible.ORG
Free Grants For Everyone - Easy Money From Government Agencies
Millions of dollars are earmarked for grants to help stimulate the economy and raise the standard of living for Americans. Many are targeted for women, minorities and people with handicaps and disabilities, but there are also grants available to the general public who require assistance coping with the current economic situation. Most of the programs are being administered by the U.S. Department of Health and Human Services.
Government funding is available for housing assistance, including grants for first time homeowners, money to help with energy bills and/or lower mortgage payments.
There are also grants that provide assistance with rent and temporary housing for low income families and single mothers.
For students and adults who wish to attend college, there are many government grants that provide tuition, materials and living expenses. Some grants target specific degrees that encourage students to pursue careers in advanced technology and cutting edge research.
Grants are also given to start a new business or expand existing companies. Many of these grants are focused on developing programs that will provide education and mentorship for new business owners.
Others focus on creating opportunities for minorities, women and the disabled persons.
There are also grants that offer to assist consumers who are facing mounting credit card payments and other personal debts. These packages are not loans, but provide money to qualified applicants to help them recover from economic conditions that threaten to send them into bankruptcy.
Obtaining government grants is a means of acquiring financial assistance for many Americans, but it does require research and perseverance to obtain.
Be prepared to spend time collecting information and responding appropriately to the steps required to submit and receive funding.
Government funding is available for housing assistance, including grants for first time homeowners, money to help with energy bills and/or lower mortgage payments.
There are also grants that provide assistance with rent and temporary housing for low income families and single mothers.
For students and adults who wish to attend college, there are many government grants that provide tuition, materials and living expenses. Some grants target specific degrees that encourage students to pursue careers in advanced technology and cutting edge research.
Grants are also given to start a new business or expand existing companies. Many of these grants are focused on developing programs that will provide education and mentorship for new business owners.
Others focus on creating opportunities for minorities, women and the disabled persons.
There are also grants that offer to assist consumers who are facing mounting credit card payments and other personal debts. These packages are not loans, but provide money to qualified applicants to help them recover from economic conditions that threaten to send them into bankruptcy.
Obtaining government grants is a means of acquiring financial assistance for many Americans, but it does require research and perseverance to obtain.
Be prepared to spend time collecting information and responding appropriately to the steps required to submit and receive funding.
Finding Free Government Grants
The US Government, State and Private Grant Foundations give away billions of dollars of grant money to the public each year. These are awarded to individuals or groups of people from all walks of life for different purposes. There are actually many ways to finding government grants for free.
Grants are divided into categories to specifically cater different needs. If you wish to start or expand your business, you may want to apply for a business grant. If you've been dreaming of purchasing your dream house but are being held back by credit problems, a housing grant will make it easier for you to avail of low interest home loans.
If you want to secure your personal future by furthering your education, an education grant will be best for you. Millions of dollars are also available to help the sick and the handicapped through the medical grant. Grants are also available for women, veterans and cultural minorities such as Hispanics, African Americans, American Indians, and Asians.
You should know that grant programs are not loans. You will not be required to have collateral, undergo credit check, have a security deposit or have a co-signer to be qualified.
You can apply even if you have bad credit or have declared bankruptcy. You will be awarded with the amount you need provided that the amount is lawful and that you meet the requirements set by the Government Agencies or Private Foundations. Best of all, the money is all yours. You need not worry on repaying it.
At this time of worldwide economic crunch, the government is actually more than willing to give in order to jumpstart the economy. Take advantage of the grant-giving organizations and agencies database available.
You would surely come across one that matches your needs and qualifications. Invest time in acquiring knowledge on how to write a good proposal because this is extremely essential in successfully securing a grant.
Grants are divided into categories to specifically cater different needs. If you wish to start or expand your business, you may want to apply for a business grant. If you've been dreaming of purchasing your dream house but are being held back by credit problems, a housing grant will make it easier for you to avail of low interest home loans.
If you want to secure your personal future by furthering your education, an education grant will be best for you. Millions of dollars are also available to help the sick and the handicapped through the medical grant. Grants are also available for women, veterans and cultural minorities such as Hispanics, African Americans, American Indians, and Asians.
You should know that grant programs are not loans. You will not be required to have collateral, undergo credit check, have a security deposit or have a co-signer to be qualified.
You can apply even if you have bad credit or have declared bankruptcy. You will be awarded with the amount you need provided that the amount is lawful and that you meet the requirements set by the Government Agencies or Private Foundations. Best of all, the money is all yours. You need not worry on repaying it.
At this time of worldwide economic crunch, the government is actually more than willing to give in order to jumpstart the economy. Take advantage of the grant-giving organizations and agencies database available.
You would surely come across one that matches your needs and qualifications. Invest time in acquiring knowledge on how to write a good proposal because this is extremely essential in successfully securing a grant.
Saturday, October 24, 2009
CALCOL (CLCL-OTC) TO MAKE AND SELL ZER QUICK AIDS TEST KITS
CALCOL (CLCL-OTC) TO MAKE AND SELL ZER QUICK AIDS TEST KITS
CALCOL INC. & ZER HITECH LTD.
TO MAKE, SELL AND DISTRIBUTE
QUICK AIDS TEST KITS AT LOW COST FOR HIGH IMPACT AIDS AREAS (AFRICA, CARIBBEAN, SOUTH ASIA, EASTERN EUROPE, FORMER SOVIET UNION)
OFFERS TEST KITS AT LOW COST ON LARGE SCALE FOR MASS DISTRIBUTION TO MAJOR RELIEF AGENCIES AND HUMANITARIAN ORGANIZATIONS : MASS SCREENING OF INFECTED COULD LEAD TO DISEASE PREVENTION, TREATMENT, AND CONTROL
CLEVELAND, OHIO USA, BEIJING, CHINA, AND JERUSALEM ISRAEL (7/20/01 12:10 PM EST):
CALCOL INC.
(CLCL-OTC) a development stage US holding company for China manufacturing companies in pharmaceuticals (Calcol Changbaishan Pharmaceutical Ltd. Shenzhen, China) and soft drinks (Sanhe Meile Soft Drinks Ltd. Beijing, China), announced today that it has signed a binding letter of intent effective July 19, 2001, with ZER HITECH LTD Jerusalem, Israel, to immediately commence to make, sell, and distribute Quick AIDS Test Kits at a low cost on a large scale for high impact AIDS areas (especially Africa, the Caribbean, and South Asia and certain countries of the former Soviet Union).
The Quick Aids Test Kits manufactured by Zer are currently sold in the following countries: Kenya, Nigeria, Brazil, Lithuania and certain countries of the former Soviet Union.
The companies, which have been associated since l995, announced that their new high intensity effort to mass market the test kits at a low cost was urgently prompted by recent announcements of major efforts by the UNAIDS organization, Global Business Council, the Coca-Cola Company (KO-NYSE) and the Pfizer Foundation (PFE-NYSE) and other major international organizations and corporations to raise $7-$10 billion dollars per year for mass distribution of information, prophylactics, diagnostics (including test kits), and pharmaceuticals in high impact AIDS areas especially in Africa where HIV has infected an estimated 25 million people.
CALCOL confirms it has conveyed an offer to supply the low-cost Quick AIDS Test Kits in large quantities to the companies and organizations involved and has received some preliminary indications of interest.
Amb. Richard A. Holbrooke, Head of the Global Business Council, coordinating a private sector response to UN Secretary General Kofi Annan's appeal said: โ€œI have come to believe that despite all the major problems we face in the world today---terrorism, nuclear weapons, drugs---that AIDS is the greatest threat.
โ€ With approximately 36 million people worldwide afflicted with AIDS, some 25 million in Africa alone (an estimated 1 in 4 is infected in South Africa), and rapid spread of the disease in India, China, and eastern Europe. (Holbrooke's New Job: Urging Business to Fight AIDS,June 19, 2001(Reuters). Recently โ€Coca-Cola Company offered its distribution and marketing expertise to fight AIDS in Africaโ€, UNAIDS Associate Director Robert Hecht said that he hoped many other companies would also pledge their resources.
"It is clear that Coca-Cola is not just interested in using money but in using its other strengths and assets...If we can get dozens of other companies involved in a similar way it will have a major impactโ€. Under a three-year deal, Coca-Cola is offering its transport and marketing expertise to boost education and prevent the spread of the disease.โ€ (UNAIDS Urges Business to Help in AIDS Fight Reuters June 20, 2001). โ€œThe Coca-Cola system in Africa will deploy its unique infrastructure and presence in local communities to support local prevention, education and treatment programs.
In Nigeria, Coca-Cola will support the work of the National HIV Sero- Prevalence Sentinel Surveillance Survey for women attending antenatal clinics. The purpose of this program is to track HIV infection levels through institutions that provide access to populations that are of particular interest in combating the epidemic. The Coca-Cola system in Nigeria will provide marketing support to develop awareness materials on the sentinel sero- surveillance program, assist in the printing and distribution of 10,000 pamphlets, provide expertise in logistics and help distribute testing kits in all of the Nigerian states.
โ€ (UNAIDS Signs Up Coca-Cola in Battle Against AIDS :The Coca-Cola Africa Foundation Will Co-ordinate Local Support For AIDS Programs Across the Continent GENEVA, June 20 /PRNewswire) Also, โ€œEarlier this month, the Pfizer Foundation announced that it is funding construction and staffing of a state-of-the-art AIDS clinic in Kampala that will treat more than 50,000 patients annually and provide training to African health care professionals for the diagnosis, care and treatment of HIV/AIDS patients.
The company also announced in June that it would offer its antifungal Diflucan at no charge to AIDS patients in the 50 least developed countries, including Uganda, as identified by the United Nations and World Health Organization.โ€ (Major Study in Uganda to Identify Best Community-Based Approaches for HIV/AIDS Prevention New Partnership Program Involving UNAIDS, UNICEF, Uganda AIDS Commission and Pfizer Foundation June 25, 2001/PRNewswire).
Commercial tests retail for $20.
00 per test, and tests of whole blood for HIV1+2 or Hepatitis B in a clinic or medical testing laboratory may cost much more, mass production in China may enable the Companies to produce and distribute large quantities (potentially tens of millions of units per year) of the Zer Quick AIDS Test Kits for mass screening for the low sales price to international agencies and governments of approximately US$1.95 (ONE DOLLAR NINETY FIVE CENTS) per unit, with the possibility that efficiencies of mass production may make a lower price possible.
Initially Zer will make samples and initial production runs available for purchase from their manufacturing facilities in Israel where Zer currently hasthe capability to produce 5 million units per year. The companies believe their new cooperative venture will make possible mass screening of tens of millions of people throughout the world under the humanitarian relief organizations. If pregnant mothers can be diagnosed in time, for example, they can possibly then be treated with low doses of AZT and other drugs which have been proven to prevent transmission of HIV/AIDS to the next generation.
The possible impact of such a program on world health, control of the spread of disease, treatment, and prevention of disease transmission could be very significant, in the belief of the companies.
Norman C. Kaplan, Chairman and President of CALCOL INC. states:
โ€œWe are grateful to have such a highly recognized company such as ZER as our partner in dealing with this major international health emergency. Headed by two great partners, Dr. Avi Zer and Dr. Tami Zer, both holding Ph.D. degree in medical sciences and life sciences respectively from the highly prestigious Hebrew University of Jerusalem.
Under the new agreement, ZER HITECH LTD. (โ€œZERโ€) has agreed to be responsible for patent and trademark registration and health agency registration (the expense of registrations is included in the budget of the project), product licensing, R&D, know-how, technical support, quality control, and manufacturing set up (in terms of the high tech aspects of the products such as the testing strips, antibodies and so forth). We, CALCOL INC. (โ€œCALCOLโ€) have agreed to be responsible for the funding and financial arrangements, large scale manufacturing, marketing and distribution agreements with the major customers.
Sales prices of the products and distribution agreements shall be negotiated by CALCOL and ZER working together. Sales prices shall be kept to as low-cost as feasible while earning a reasonable profit. Wherever possible, the relief organizations or governments shall be asked to pay for products with substantial deposits in advance, by L/C's and/or on delivery in cash; and shall be asked to assist the companies with grants, loans and reimbursements to provide capital for manufacturing equipment and expenses for health agency registrations and mass distribution of the products.
โ€œBoth parties promised best efforts in moving as expeditiously as possible to โ€œclose the loopโ€ in all aspects of the project. Both parties promised confidentiality in all aspects of the technology, manufacturing process, costs (other than necessary disclosures to customers and/or government agencies), and marketing agreements. Both parties promised non-circumvention of the other in new manufacturing, marketing, and distribution arrangements .
โ€œBoth parties have agreed to share 50-50 (FIFTY PERCENT EACH) net profits on all sales of products to the international relief organizations such as Global Business Council, UNAIDS, US government, and other foreign governments made through this agreement ( including sales of products initially wholly manufactured in Israel distributed through the agreements negotiated by CALCOL in cooperation with ZER while the manufacture, marketing and distribution of larger scale production of the products is in development).
Excluded from this agreement are ZER's pre-existing business arrangements before this date for marketing and sales of the products on a proprietary basis.
ABOUT ZER HITECH LTD.
The ZER GROUP, a leading biotechnology company, was founded in
1976 by Avraham Zer Ph.D. (Medical Sciences, Hebrew University of Jerusalem) and Tami Zer Ph.D. (Life Sciences, Hebrew University of Jerusalem). ZER concentrates on fertility related and infectious disease products - research, development and manufacture of Diagnostic assays (ZER HITECH), and also has a network of medical service laboratories servicing hospitals, private laboratories and medical institutions in Israel (ZER LABORATORIES).
The companies comprising the Zer Group, although separate and independent entities, work closely together to provide complementary services and products through close knit cooperation on quality control, clinical testing and information feedback. ZER HITECH LTD. develops, manufactures and markets One step assays. ZER has on staff 60 personnel of whom 48 have scientific qualifications.
ZER HITECH LTD. develops, manufactures and markets One step assays: PREGNANCY tests, Dipstrip, Card and Midstream formats.
LH-OVULATION tests, Card and Midstream formats FSH-MENOPAUSE tests, Card and Midstream formats AMNIOTEST MONOLINE pregnancy test In addition, ZER has developed and manufactures Innovative HIV 1+ 2 for Serum,Plasma and Whole Blood, as well as Hepatitis B; Drugs of Abuse; Chlamydia; Strep A and B; H. pylori; Occult blood and other assays. Core business In-vitro and one -step diagnostics kits Market regions: Europe, Far East, South America.
ABOUT CALCOL INC.
CALCOL INC. (CLCL-OTC) (Delaware), a development stage company, was originally a holding company for pharmaceutical patents and products.
Based upon research by Mr. Kaplan at the University of California San Diego (Biology Department), the Salk Institute for Biological Studies in La Jolla, California (Autoimmune and Neoplastic Disease Laboratory), and Harvard University (Physics Department), the Company pioneered the pharmaceutical development of Delta-9-Tetrahydrocannabinol (THC), the active ingredient in medicinal marijuana, for the treatment of nausea associated with cancer chemotherapy and loss of appetite associated with AIDS.
The Company also developed and tested (in vitro at the Salk Institute, and in vivo in mouse models in conjunction with the National Cancer Institute) a derivative of THC (THC-mustard) as potential site-specific alkylating agent (anti-tumor drug) with antinausea properties. Mr. Kaplan received one patent, and published two abstracts and two scientific papers on this research. CALCOL INC. sold non-exclusive distribution rights in its THC/dronabinol product to BARR LABORATORIES (BRL-NYSE) in l988 on a 15 year agreement.
CALCOL INC. retains some rights in the THC/dronabinol product. In l994, CALCOL INC. invested in the purchase of 60% interest in a pharmaceutical factory in Shenzhen,China CALCOL CHANGBAISHAN PHARMACEUTICAL CO. LTD. and an 80% interest in a soft drink concentrate and bottling factory in Beijing, China, SANHE MEILE SOFT DRINKS CO. LTD. (photographs of the finished soft drink concentrate plant and bottling plant under construction and information about the Company appear on CALCOL's website http://www.
calcol.com). CALCOL INC. common stock (par value $.001) trades OTC under the symbol โ€œCLCLโ€ (Cusip #128699) on the Pink Sheets (www.pinksheets.com) with marketmakers FLTT FLTTRC Fleet Trading Jersey City, NJ 800 526 3041 HILL HT025 Hill Thompson Magid & Co. OTC Trading - Jersey City, NJ 800 631 3083 201 434 8100 HRZG BOBS Herzog, Heine, Geduld, In OTC Trading - Jersey City, NJ 800 221 3600 212 962 0300 MHMY 869 M.H. Meyerson & Co., Inc. OTC Trading - Jersey City, NJ 800 333 3113 201 459 9600 NITE 1147A Knight Secs LP Jersey City, NJ 800 232 3684 212 336 8686 PGON TRADERB Paragon Capital Corp.
OTC Trading - Boca Raton, FL 800 521 8877 561 750 3777 SHRP 5939 Sharpe Capital Inc. OTC Trading - New York, NY 800 355 5781 212 791 5658 WIEN 5009 Wien Securities Corp. OTC Trading - Jersey City, NJ 800 624 0050.
Norman C. Kaplan, Chairman and President of CALCOL INC., appears in the 55th Edition of Marquis Who's Who In America 2001. Mr. Kaplan, a graduate of the University of California San Diego and Harvard University, was a research scientist in the Autoimmune and Neoplastic Disease Laboratory of Jonas E.
Salk MD at the Salk Institute and studied physics with the Nobel Laureates Sheldon Glashow and Steven Weinberg at Harvard University. He is the founder of the Norman C. Kaplan Fund in Water Resource Management of the Hebrew University which sponsored exchange visits between China and Israel and was instrumental in the establishment of diplomatic relations between the two countries. Mr. Kaplan is currently a member of the International Committee of the Belfer Center for Science and International Affairs John F.
Kennedy School of Government Harvard University. He received the 60th Anniversary Medal of the Hebrew University in 1988. Vice President of CALCOL INC. is Mr. Ji Jun, Assistant Vice President is Mr. Zhou Hai Ou, the Sr. Vice President and Secretary Treasurer of CALCOL INC. is Mr. David B. Orlean, a former official of the US Department of Justice and President of the Orlean Company of Cleveland Ohio.
This announcement, which is not an offer to buy or sell securities, may contain certain forward looking statements regarding anticipated manufacturing, marketing, sales, and distribution agreements of medical diagnostic test kits and pharmaceutical products with anticipated manufacturing and sales arrangements, and projected sales figures which may or may not be achieved, anticipated pharmaceutical products, anticipated soft drink franchises, trademark, and license agreements, business licenses which may or may not be issued or renewed in the future by the Chinese government or other governments, medical device approvals and licenses which may or may not be issued or approved by various governments and international health agencies, potential sales projections of certain quantities of units of products to humanitarian agencies governments and non-profit organizations and pharmaceutical companies for mass low-cost or free distribution which may or may not be achieved, potential business opportunities in medical device and pharmaceutical manufacture, marketing and distribution and /or other speculative areas in China businesses and business in other high risk countries (such as Africa, the Caribbean, South Asia and the former Soviet Union) which may or may not materialize, construction projects which may or may not be successfully completed, factory production and potential profits market share for goods and services which may or may not be achieved, and financings which may or may not attain successful completion or commercial success, and should not be relied upon by any person to make an investment decision, and is for information only.
CALCOL INC. (Delaware) common stock (par value $.001) cusip #128699 trades OTC in the United States, involves a high degree of risk and is a suitable investment only for accredited (high net worthโ€"net worth of US$1 million or more) institutional, and overseas investors, who are able to assess the risk, and can afford to lose their entire investment. CALCOL INC. โ€œCLCLโ€ (cusip#128699 common stock (par value $.001) )is traded OTC in the United States and quoted on the Pink Sheets (http://www.
pinksheets.com) An accredited, overseas or institutional investor considering an investment in a Pink Sheet quoted stock should consult the โ€œRISK FACTORSโ€ section of the Pink Sheets website (http://www.pinksheets.com/risk.jsp) and should consult a registered investment advisor or licensed stockbroker for investment advice..
CONTACT ( United States): Norman C. Kaplan, President, CALCOL INC., P.O. Box 22103, Beachwood, OH 44122. Phone: 216-514-0849. China): Mr.
Ji Jun, Vice President CALCOL INC., President, Sanhe Meile Soft Drinks Co. Ltd. Rm. 1001, Tower A Beijing Landmark Towers No.8 North Dong Sanhuan Rd., Chaoyang District Beijing 100004 China Phone: 011-86-10-6590-0386 Fax: 011-86-10-6590-6239. calcolchina@aol.com. CALCOL@aol.com. Http://www.calcol.com. (Israel) ZER HITECH LTD. Avi Zer Ph.D. 34 Ben Yehuda St. City Tower Jerusalem, Israel Phone011-972-2โ€"6522462 Fax:011-972-2-6512898.Email: contactus@zerhitech.com .
CALCOL INC. & ZER HITECH LTD.
TO MAKE, SELL AND DISTRIBUTE
QUICK AIDS TEST KITS AT LOW COST FOR HIGH IMPACT AIDS AREAS (AFRICA, CARIBBEAN, SOUTH ASIA, EASTERN EUROPE, FORMER SOVIET UNION)
OFFERS TEST KITS AT LOW COST ON LARGE SCALE FOR MASS DISTRIBUTION TO MAJOR RELIEF AGENCIES AND HUMANITARIAN ORGANIZATIONS : MASS SCREENING OF INFECTED COULD LEAD TO DISEASE PREVENTION, TREATMENT, AND CONTROL
CLEVELAND, OHIO USA, BEIJING, CHINA, AND JERUSALEM ISRAEL (7/20/01 12:10 PM EST):
CALCOL INC.
(CLCL-OTC) a development stage US holding company for China manufacturing companies in pharmaceuticals (Calcol Changbaishan Pharmaceutical Ltd. Shenzhen, China) and soft drinks (Sanhe Meile Soft Drinks Ltd. Beijing, China), announced today that it has signed a binding letter of intent effective July 19, 2001, with ZER HITECH LTD Jerusalem, Israel, to immediately commence to make, sell, and distribute Quick AIDS Test Kits at a low cost on a large scale for high impact AIDS areas (especially Africa, the Caribbean, and South Asia and certain countries of the former Soviet Union).
The Quick Aids Test Kits manufactured by Zer are currently sold in the following countries: Kenya, Nigeria, Brazil, Lithuania and certain countries of the former Soviet Union.
The companies, which have been associated since l995, announced that their new high intensity effort to mass market the test kits at a low cost was urgently prompted by recent announcements of major efforts by the UNAIDS organization, Global Business Council, the Coca-Cola Company (KO-NYSE) and the Pfizer Foundation (PFE-NYSE) and other major international organizations and corporations to raise $7-$10 billion dollars per year for mass distribution of information, prophylactics, diagnostics (including test kits), and pharmaceuticals in high impact AIDS areas especially in Africa where HIV has infected an estimated 25 million people.
CALCOL confirms it has conveyed an offer to supply the low-cost Quick AIDS Test Kits in large quantities to the companies and organizations involved and has received some preliminary indications of interest.
Amb. Richard A. Holbrooke, Head of the Global Business Council, coordinating a private sector response to UN Secretary General Kofi Annan's appeal said: โ€œI have come to believe that despite all the major problems we face in the world today---terrorism, nuclear weapons, drugs---that AIDS is the greatest threat.
โ€ With approximately 36 million people worldwide afflicted with AIDS, some 25 million in Africa alone (an estimated 1 in 4 is infected in South Africa), and rapid spread of the disease in India, China, and eastern Europe. (Holbrooke's New Job: Urging Business to Fight AIDS,June 19, 2001(Reuters). Recently โ€Coca-Cola Company offered its distribution and marketing expertise to fight AIDS in Africaโ€, UNAIDS Associate Director Robert Hecht said that he hoped many other companies would also pledge their resources.
"It is clear that Coca-Cola is not just interested in using money but in using its other strengths and assets...If we can get dozens of other companies involved in a similar way it will have a major impactโ€. Under a three-year deal, Coca-Cola is offering its transport and marketing expertise to boost education and prevent the spread of the disease.โ€ (UNAIDS Urges Business to Help in AIDS Fight Reuters June 20, 2001). โ€œThe Coca-Cola system in Africa will deploy its unique infrastructure and presence in local communities to support local prevention, education and treatment programs.
In Nigeria, Coca-Cola will support the work of the National HIV Sero- Prevalence Sentinel Surveillance Survey for women attending antenatal clinics. The purpose of this program is to track HIV infection levels through institutions that provide access to populations that are of particular interest in combating the epidemic. The Coca-Cola system in Nigeria will provide marketing support to develop awareness materials on the sentinel sero- surveillance program, assist in the printing and distribution of 10,000 pamphlets, provide expertise in logistics and help distribute testing kits in all of the Nigerian states.
โ€ (UNAIDS Signs Up Coca-Cola in Battle Against AIDS :The Coca-Cola Africa Foundation Will Co-ordinate Local Support For AIDS Programs Across the Continent GENEVA, June 20 /PRNewswire) Also, โ€œEarlier this month, the Pfizer Foundation announced that it is funding construction and staffing of a state-of-the-art AIDS clinic in Kampala that will treat more than 50,000 patients annually and provide training to African health care professionals for the diagnosis, care and treatment of HIV/AIDS patients.
The company also announced in June that it would offer its antifungal Diflucan at no charge to AIDS patients in the 50 least developed countries, including Uganda, as identified by the United Nations and World Health Organization.โ€ (Major Study in Uganda to Identify Best Community-Based Approaches for HIV/AIDS Prevention New Partnership Program Involving UNAIDS, UNICEF, Uganda AIDS Commission and Pfizer Foundation June 25, 2001/PRNewswire).
Commercial tests retail for $20.
00 per test, and tests of whole blood for HIV1+2 or Hepatitis B in a clinic or medical testing laboratory may cost much more, mass production in China may enable the Companies to produce and distribute large quantities (potentially tens of millions of units per year) of the Zer Quick AIDS Test Kits for mass screening for the low sales price to international agencies and governments of approximately US$1.95 (ONE DOLLAR NINETY FIVE CENTS) per unit, with the possibility that efficiencies of mass production may make a lower price possible.
Initially Zer will make samples and initial production runs available for purchase from their manufacturing facilities in Israel where Zer currently hasthe capability to produce 5 million units per year. The companies believe their new cooperative venture will make possible mass screening of tens of millions of people throughout the world under the humanitarian relief organizations. If pregnant mothers can be diagnosed in time, for example, they can possibly then be treated with low doses of AZT and other drugs which have been proven to prevent transmission of HIV/AIDS to the next generation.
The possible impact of such a program on world health, control of the spread of disease, treatment, and prevention of disease transmission could be very significant, in the belief of the companies.
Norman C. Kaplan, Chairman and President of CALCOL INC. states:
โ€œWe are grateful to have such a highly recognized company such as ZER as our partner in dealing with this major international health emergency. Headed by two great partners, Dr. Avi Zer and Dr. Tami Zer, both holding Ph.D. degree in medical sciences and life sciences respectively from the highly prestigious Hebrew University of Jerusalem.
Under the new agreement, ZER HITECH LTD. (โ€œZERโ€) has agreed to be responsible for patent and trademark registration and health agency registration (the expense of registrations is included in the budget of the project), product licensing, R&D, know-how, technical support, quality control, and manufacturing set up (in terms of the high tech aspects of the products such as the testing strips, antibodies and so forth). We, CALCOL INC. (โ€œCALCOLโ€) have agreed to be responsible for the funding and financial arrangements, large scale manufacturing, marketing and distribution agreements with the major customers.
Sales prices of the products and distribution agreements shall be negotiated by CALCOL and ZER working together. Sales prices shall be kept to as low-cost as feasible while earning a reasonable profit. Wherever possible, the relief organizations or governments shall be asked to pay for products with substantial deposits in advance, by L/C's and/or on delivery in cash; and shall be asked to assist the companies with grants, loans and reimbursements to provide capital for manufacturing equipment and expenses for health agency registrations and mass distribution of the products.
โ€œBoth parties promised best efforts in moving as expeditiously as possible to โ€œclose the loopโ€ in all aspects of the project. Both parties promised confidentiality in all aspects of the technology, manufacturing process, costs (other than necessary disclosures to customers and/or government agencies), and marketing agreements. Both parties promised non-circumvention of the other in new manufacturing, marketing, and distribution arrangements .
โ€œBoth parties have agreed to share 50-50 (FIFTY PERCENT EACH) net profits on all sales of products to the international relief organizations such as Global Business Council, UNAIDS, US government, and other foreign governments made through this agreement ( including sales of products initially wholly manufactured in Israel distributed through the agreements negotiated by CALCOL in cooperation with ZER while the manufacture, marketing and distribution of larger scale production of the products is in development).
Excluded from this agreement are ZER's pre-existing business arrangements before this date for marketing and sales of the products on a proprietary basis.
ABOUT ZER HITECH LTD.
The ZER GROUP, a leading biotechnology company, was founded in
1976 by Avraham Zer Ph.D. (Medical Sciences, Hebrew University of Jerusalem) and Tami Zer Ph.D. (Life Sciences, Hebrew University of Jerusalem). ZER concentrates on fertility related and infectious disease products - research, development and manufacture of Diagnostic assays (ZER HITECH), and also has a network of medical service laboratories servicing hospitals, private laboratories and medical institutions in Israel (ZER LABORATORIES).
The companies comprising the Zer Group, although separate and independent entities, work closely together to provide complementary services and products through close knit cooperation on quality control, clinical testing and information feedback. ZER HITECH LTD. develops, manufactures and markets One step assays. ZER has on staff 60 personnel of whom 48 have scientific qualifications.
ZER HITECH LTD. develops, manufactures and markets One step assays: PREGNANCY tests, Dipstrip, Card and Midstream formats.
LH-OVULATION tests, Card and Midstream formats FSH-MENOPAUSE tests, Card and Midstream formats AMNIOTEST MONOLINE pregnancy test In addition, ZER has developed and manufactures Innovative HIV 1+ 2 for Serum,Plasma and Whole Blood, as well as Hepatitis B; Drugs of Abuse; Chlamydia; Strep A and B; H. pylori; Occult blood and other assays. Core business In-vitro and one -step diagnostics kits Market regions: Europe, Far East, South America.
ABOUT CALCOL INC.
CALCOL INC. (CLCL-OTC) (Delaware), a development stage company, was originally a holding company for pharmaceutical patents and products.
Based upon research by Mr. Kaplan at the University of California San Diego (Biology Department), the Salk Institute for Biological Studies in La Jolla, California (Autoimmune and Neoplastic Disease Laboratory), and Harvard University (Physics Department), the Company pioneered the pharmaceutical development of Delta-9-Tetrahydrocannabinol (THC), the active ingredient in medicinal marijuana, for the treatment of nausea associated with cancer chemotherapy and loss of appetite associated with AIDS.
The Company also developed and tested (in vitro at the Salk Institute, and in vivo in mouse models in conjunction with the National Cancer Institute) a derivative of THC (THC-mustard) as potential site-specific alkylating agent (anti-tumor drug) with antinausea properties. Mr. Kaplan received one patent, and published two abstracts and two scientific papers on this research. CALCOL INC. sold non-exclusive distribution rights in its THC/dronabinol product to BARR LABORATORIES (BRL-NYSE) in l988 on a 15 year agreement.
CALCOL INC. retains some rights in the THC/dronabinol product. In l994, CALCOL INC. invested in the purchase of 60% interest in a pharmaceutical factory in Shenzhen,China CALCOL CHANGBAISHAN PHARMACEUTICAL CO. LTD. and an 80% interest in a soft drink concentrate and bottling factory in Beijing, China, SANHE MEILE SOFT DRINKS CO. LTD. (photographs of the finished soft drink concentrate plant and bottling plant under construction and information about the Company appear on CALCOL's website http://www.
calcol.com). CALCOL INC. common stock (par value $.001) trades OTC under the symbol โ€œCLCLโ€ (Cusip #128699) on the Pink Sheets (www.pinksheets.com) with marketmakers FLTT FLTTRC Fleet Trading Jersey City, NJ 800 526 3041 HILL HT025 Hill Thompson Magid & Co. OTC Trading - Jersey City, NJ 800 631 3083 201 434 8100 HRZG BOBS Herzog, Heine, Geduld, In OTC Trading - Jersey City, NJ 800 221 3600 212 962 0300 MHMY 869 M.H. Meyerson & Co., Inc. OTC Trading - Jersey City, NJ 800 333 3113 201 459 9600 NITE 1147A Knight Secs LP Jersey City, NJ 800 232 3684 212 336 8686 PGON TRADERB Paragon Capital Corp.
OTC Trading - Boca Raton, FL 800 521 8877 561 750 3777 SHRP 5939 Sharpe Capital Inc. OTC Trading - New York, NY 800 355 5781 212 791 5658 WIEN 5009 Wien Securities Corp. OTC Trading - Jersey City, NJ 800 624 0050.
Norman C. Kaplan, Chairman and President of CALCOL INC., appears in the 55th Edition of Marquis Who's Who In America 2001. Mr. Kaplan, a graduate of the University of California San Diego and Harvard University, was a research scientist in the Autoimmune and Neoplastic Disease Laboratory of Jonas E.
Salk MD at the Salk Institute and studied physics with the Nobel Laureates Sheldon Glashow and Steven Weinberg at Harvard University. He is the founder of the Norman C. Kaplan Fund in Water Resource Management of the Hebrew University which sponsored exchange visits between China and Israel and was instrumental in the establishment of diplomatic relations between the two countries. Mr. Kaplan is currently a member of the International Committee of the Belfer Center for Science and International Affairs John F.
Kennedy School of Government Harvard University. He received the 60th Anniversary Medal of the Hebrew University in 1988. Vice President of CALCOL INC. is Mr. Ji Jun, Assistant Vice President is Mr. Zhou Hai Ou, the Sr. Vice President and Secretary Treasurer of CALCOL INC. is Mr. David B. Orlean, a former official of the US Department of Justice and President of the Orlean Company of Cleveland Ohio.
This announcement, which is not an offer to buy or sell securities, may contain certain forward looking statements regarding anticipated manufacturing, marketing, sales, and distribution agreements of medical diagnostic test kits and pharmaceutical products with anticipated manufacturing and sales arrangements, and projected sales figures which may or may not be achieved, anticipated pharmaceutical products, anticipated soft drink franchises, trademark, and license agreements, business licenses which may or may not be issued or renewed in the future by the Chinese government or other governments, medical device approvals and licenses which may or may not be issued or approved by various governments and international health agencies, potential sales projections of certain quantities of units of products to humanitarian agencies governments and non-profit organizations and pharmaceutical companies for mass low-cost or free distribution which may or may not be achieved, potential business opportunities in medical device and pharmaceutical manufacture, marketing and distribution and /or other speculative areas in China businesses and business in other high risk countries (such as Africa, the Caribbean, South Asia and the former Soviet Union) which may or may not materialize, construction projects which may or may not be successfully completed, factory production and potential profits market share for goods and services which may or may not be achieved, and financings which may or may not attain successful completion or commercial success, and should not be relied upon by any person to make an investment decision, and is for information only.
CALCOL INC. (Delaware) common stock (par value $.001) cusip #128699 trades OTC in the United States, involves a high degree of risk and is a suitable investment only for accredited (high net worthโ€"net worth of US$1 million or more) institutional, and overseas investors, who are able to assess the risk, and can afford to lose their entire investment. CALCOL INC. โ€œCLCLโ€ (cusip#128699 common stock (par value $.001) )is traded OTC in the United States and quoted on the Pink Sheets (http://www.
pinksheets.com) An accredited, overseas or institutional investor considering an investment in a Pink Sheet quoted stock should consult the โ€œRISK FACTORSโ€ section of the Pink Sheets website (http://www.pinksheets.com/risk.jsp) and should consult a registered investment advisor or licensed stockbroker for investment advice..
CONTACT ( United States): Norman C. Kaplan, President, CALCOL INC., P.O. Box 22103, Beachwood, OH 44122. Phone: 216-514-0849. China): Mr.
Ji Jun, Vice President CALCOL INC., President, Sanhe Meile Soft Drinks Co. Ltd. Rm. 1001, Tower A Beijing Landmark Towers No.8 North Dong Sanhuan Rd., Chaoyang District Beijing 100004 China Phone: 011-86-10-6590-0386 Fax: 011-86-10-6590-6239. calcolchina@aol.com. CALCOL@aol.com. Http://www.calcol.com. (Israel) ZER HITECH LTD. Avi Zer Ph.D. 34 Ben Yehuda St. City Tower Jerusalem, Israel Phone011-972-2โ€"6522462 Fax:011-972-2-6512898.Email: contactus@zerhitech.com .
Obama Gives $500,000 in Grants For Women to Start a Business!
If you over the age of 18 years old, and are a legal citizen of the United States, you could be entitled to some free money in the form of a grant from the government of the United States. There is money available to help you out in all different areas of your life. You could be given money to help you do anything from fix up your house to setting up a weight loss company.
Single moms in particular have a very high chance of receiving free money from the government. They can get money to help them pay for things like day care.
It is even possible to get more than one grant at a time. All you have to do is apply for them. You could find that you are receiving money to fix up the house you are currently living in, and are getting up to $15,000 to put a down payment on a new house that you would like to buy. The government of America is here to help you.
Any money you receive from the government is totally free and you never have to pay it back. This is far better than a bank loan which you have to pay back with interest.
You could get free money to help you start up a small business, start up a day care centre or set up a weight loss company. There is up to $500,000 available, so take advantage and apply for a grant from the government today.
Single moms in particular have a very high chance of receiving free money from the government. They can get money to help them pay for things like day care.
It is even possible to get more than one grant at a time. All you have to do is apply for them. You could find that you are receiving money to fix up the house you are currently living in, and are getting up to $15,000 to put a down payment on a new house that you would like to buy. The government of America is here to help you.
Any money you receive from the government is totally free and you never have to pay it back. This is far better than a bank loan which you have to pay back with interest.
You could get free money to help you start up a small business, start up a day care centre or set up a weight loss company. There is up to $500,000 available, so take advantage and apply for a grant from the government today.
OUTSTANDING LOCAL WOMEN BUSINESS OWNERS WIN SIGNATURE AWARDS FROM NAWBO-NYC : Xiaoning Wong, Veronica Rose, Madelyn Simon and Julie Menin Saluted - Rachelle Friedman, President of J& R and Nell Merlino, CEO Count Me In Honored
The New York City chapter of The National Association of Women Business Owners (NAWBO), the largest collective voice of women business owners in the United States, held its prestigious Signature Awards gala last night (3/18/03) at the Puck Building.
The gala honors outstanding women business owners who have made meaningful contributions to the city's business community and culture. Sponsored by NAWBO-NYC's corporate partner, OPENโ„ข: The Small Business NetworkSM from American Express, the gala attracted more than 250 of the most influential women in New York City, and was hosted by anchor woman, Valerie Morris, CNNfn.
โ€œEven in this sluggish economy, women business owners have been resourceful in building their businesses, employing some 250,000 people and in general, keeping the spirit of entrepreneurship alive in the City,โ€ says Lynn San Andres, president of NAWBO-NYC and president of the Mason Alexander Group. โ€œWe are very proud of our Signature Award winners who have persevered to reach success under difficult conditions.โ€ New York City women business owners generate more than $34 million in sales annually.
Winners of the awards represent some of the best of the best in the world of women owned businesses, vital to our economy, yet often not well known to the general public.
2003 Fast Track Signature Award for a woman in business less than five years: Xiaoning Wong, founder of ChinaSprout Inc., a must-visit website for parents of adopted Chinese children. The site provides a wealth of information about Chinese culture, history and traditions as well as more than 3500 products from China.
Runners up: Catrise Austin, VIP Smiles Dentistry PC; Karen Dalzell, Dalzell Productions; Wendy Gaynor, Ruby et Violette; Adele Horowitz, LiceAdvice, Inc.
2003 Signature Benchmark Award for a woman in business 5-10 years: Veronica Rose, president/CEO of Aurora Electric Inc. One of the first women to hold a New York City master electrician's license, Ms. Rose's company earned a reputation for excellence, opening the door for winning contracts of some of the city's great landmarks: The New York Botanical Garden, NBC in Rockefeller Center, nine subway stations for Air Train and the new wireless voice and data systems at the city's three airports.
Runners up: Shannon Ayers, Turning Heads Salon & Spa; Nina L. Kaufman, Paltrowitz & Kaufman LLP.
2003 Signature Masters Award for a woman more than 10 years in business: Madelyn Simon, President, Madelyn Simon & Associates, the 14th largest landscaping contractor in the nation. Starting in 1978, Madelyn Simon rose from a one-woman shop to her current status as an employer of 75 in a firm that is renowned for its innovative floral and landscape designs both indoors and out in the city.
Runners up: Melba J.
Duncan, The Duncan Group; Adrienne Giannone, Edge Electronics; Patricia Helding, Fat Witch Bakery Inc.
2003 Signature Community Leadership Award for a leader of a nonprofit or community-focused organization: Julie Menin, Wall Street Rising. A lawyer and former restaurateur, Julie Menin founded Wall Street Rising after September 11, 2001 to promote Lower Manhattan as a 24-hour, seven-day-a-week destination for businesses, residents, employees and tourists. The organization's first programs were Art Downtown, the largest public art event in the history of lower Manhattan and Wall Street Wednesdays, a dining initiative that increased business over 400% for participating restaurants.
Runners up: Lynn Brooks, Big Apple Greeter; Nancy D. Miller, Visions: Services for the Blind.
The 2003 Lifetime Achievement Award was presented to Rachelle Friedman, president of J&R Music and Computer World, which she founded in 1971 with her husband Joe. Launched from a small basement on Park Row, J&R has grown into the largest independently owned music, computer and electronics megastore in the country with 700 employees and $315 million in sales.
Nell Merlino, president and CEO Count Me In, a national non-profit organization that has given small business loans and training scholarships to over 300 women, is the first recipient of the OPEN Network Signature Award.
This award, established by OPEN: The Small Business Network from American Express, recognizes the woman whose organization shares the OPEN Network's commitment to advancing the growth and success of women business owners. Among her many other accomplishments, Nell Merlino developed the very successful Take Our Daughters to Work Day for the Ms. Foundation.
"Access to capital is a major concern for women small business owners, and Nell Merlino's pioneering efforts have helped hundreds of women small business owners in New York City and across the country gain access to that all-important first loan to help get their business off the ground," said Kerry Hatch, executive vice president and general manager, OPEN: The Small Business Network from American Express.
"For her efforts in assisting women business owners achieve their dreams and succeed, we are proud to honor her with the first OPEN Network Signature Award."
About OPEN: The Small Business Network from American Express
OPEN: The Small Business Network from American Express offers small business owners a wide range of tools, services and savings designed to meet their evolving needs, including charge and credit cards, convenient access to working capital and credit information, enhanced online account management capabilities and savings on business services from an enhanced lineup of partners.
To obtain more information about the OPEN Network, visit OPEN.americanexpress.com or call 1-800-NOW-OPEN to apply for a card or loan.
American Express Company is a diversified worldwide travel, financial and network services company founded in 1850. It is a world leader in charge and credit cards, Travelers Cheques, travel, financial planning, business services, insurance and international banking.
About National Association of Women Business Owners-NYC
NAWBO-NYC (www.nawbonyc.org) inspires and empowers women business owners and promotes and supports the growth of women-owned businesses.
As a unified voice of women in diverse industries from diverse backgrounds, NAWBO-NYC seeks to affect social, political and economic change. Founded in 1983, NAWBO-NYC is the voice of the city's 231,000 women business owners. NAWBO-NYC is part of the National Association of Women Business Owners (NAWBO), which was formed 25 years ago and today has more than 8000 members in 80+ chapters nationwide.
The gala honors outstanding women business owners who have made meaningful contributions to the city's business community and culture. Sponsored by NAWBO-NYC's corporate partner, OPENโ„ข: The Small Business NetworkSM from American Express, the gala attracted more than 250 of the most influential women in New York City, and was hosted by anchor woman, Valerie Morris, CNNfn.
โ€œEven in this sluggish economy, women business owners have been resourceful in building their businesses, employing some 250,000 people and in general, keeping the spirit of entrepreneurship alive in the City,โ€ says Lynn San Andres, president of NAWBO-NYC and president of the Mason Alexander Group. โ€œWe are very proud of our Signature Award winners who have persevered to reach success under difficult conditions.โ€ New York City women business owners generate more than $34 million in sales annually.
Winners of the awards represent some of the best of the best in the world of women owned businesses, vital to our economy, yet often not well known to the general public.
2003 Fast Track Signature Award for a woman in business less than five years: Xiaoning Wong, founder of ChinaSprout Inc., a must-visit website for parents of adopted Chinese children. The site provides a wealth of information about Chinese culture, history and traditions as well as more than 3500 products from China.
Runners up: Catrise Austin, VIP Smiles Dentistry PC; Karen Dalzell, Dalzell Productions; Wendy Gaynor, Ruby et Violette; Adele Horowitz, LiceAdvice, Inc.
2003 Signature Benchmark Award for a woman in business 5-10 years: Veronica Rose, president/CEO of Aurora Electric Inc. One of the first women to hold a New York City master electrician's license, Ms. Rose's company earned a reputation for excellence, opening the door for winning contracts of some of the city's great landmarks: The New York Botanical Garden, NBC in Rockefeller Center, nine subway stations for Air Train and the new wireless voice and data systems at the city's three airports.
Runners up: Shannon Ayers, Turning Heads Salon & Spa; Nina L. Kaufman, Paltrowitz & Kaufman LLP.
2003 Signature Masters Award for a woman more than 10 years in business: Madelyn Simon, President, Madelyn Simon & Associates, the 14th largest landscaping contractor in the nation. Starting in 1978, Madelyn Simon rose from a one-woman shop to her current status as an employer of 75 in a firm that is renowned for its innovative floral and landscape designs both indoors and out in the city.
Runners up: Melba J.
Duncan, The Duncan Group; Adrienne Giannone, Edge Electronics; Patricia Helding, Fat Witch Bakery Inc.
2003 Signature Community Leadership Award for a leader of a nonprofit or community-focused organization: Julie Menin, Wall Street Rising. A lawyer and former restaurateur, Julie Menin founded Wall Street Rising after September 11, 2001 to promote Lower Manhattan as a 24-hour, seven-day-a-week destination for businesses, residents, employees and tourists. The organization's first programs were Art Downtown, the largest public art event in the history of lower Manhattan and Wall Street Wednesdays, a dining initiative that increased business over 400% for participating restaurants.
Runners up: Lynn Brooks, Big Apple Greeter; Nancy D. Miller, Visions: Services for the Blind.
The 2003 Lifetime Achievement Award was presented to Rachelle Friedman, president of J&R Music and Computer World, which she founded in 1971 with her husband Joe. Launched from a small basement on Park Row, J&R has grown into the largest independently owned music, computer and electronics megastore in the country with 700 employees and $315 million in sales.
Nell Merlino, president and CEO Count Me In, a national non-profit organization that has given small business loans and training scholarships to over 300 women, is the first recipient of the OPEN Network Signature Award.
This award, established by OPEN: The Small Business Network from American Express, recognizes the woman whose organization shares the OPEN Network's commitment to advancing the growth and success of women business owners. Among her many other accomplishments, Nell Merlino developed the very successful Take Our Daughters to Work Day for the Ms. Foundation.
"Access to capital is a major concern for women small business owners, and Nell Merlino's pioneering efforts have helped hundreds of women small business owners in New York City and across the country gain access to that all-important first loan to help get their business off the ground," said Kerry Hatch, executive vice president and general manager, OPEN: The Small Business Network from American Express.
"For her efforts in assisting women business owners achieve their dreams and succeed, we are proud to honor her with the first OPEN Network Signature Award."
About OPEN: The Small Business Network from American Express
OPEN: The Small Business Network from American Express offers small business owners a wide range of tools, services and savings designed to meet their evolving needs, including charge and credit cards, convenient access to working capital and credit information, enhanced online account management capabilities and savings on business services from an enhanced lineup of partners.
To obtain more information about the OPEN Network, visit OPEN.americanexpress.com or call 1-800-NOW-OPEN to apply for a card or loan.
American Express Company is a diversified worldwide travel, financial and network services company founded in 1850. It is a world leader in charge and credit cards, Travelers Cheques, travel, financial planning, business services, insurance and international banking.
About National Association of Women Business Owners-NYC
NAWBO-NYC (www.nawbonyc.org) inspires and empowers women business owners and promotes and supports the growth of women-owned businesses.
As a unified voice of women in diverse industries from diverse backgrounds, NAWBO-NYC seeks to affect social, political and economic change. Founded in 1983, NAWBO-NYC is the voice of the city's 231,000 women business owners. NAWBO-NYC is part of the National Association of Women Business Owners (NAWBO), which was formed 25 years ago and today has more than 8000 members in 80+ chapters nationwide.
Government Grant Money For Women - Funding For Personal Use
With the number of special interest groups and government agencies that provide grant money, it should come to no surprise that grants for women are a popular category found in grant databases. Divorce rates are on the rise, more women are returning to school to get a degree and a high paying job, and there is a surge in women-owned small businesses. These area alone account for a big percentage of the grant programs specifically tailored to help women succeed.
By searching an up-to-date grant database, individuals can quickly find available funding programs in their area that they may qualify to receive.
Once obtained, government and privately funded grants do not have to be paid back unless the money is inappropriately spent and the terms of the agreement are broken.
Government grants for women can help single mothers, entrepreneurs and students get the cash they need to succeed. Whether the goal is to pay off debt, start a business or earn a degree in a high demand field, there is money available that these groups are willing to give to the right applicants.
Applying does not require a credit check and often does not include any kind of income verification or collateral needed.
Since grants are not loans, requesting these funds is different then applying for a traditional personal loan, as is the approval process.
By searching for and applying for government grant money for women, as much as $15,000 can be obtained to help individuals who can use a little financial assistance. Regardless if these funds are needed for a down payment on a new house, to start a home based business or to pay for daycare expenses, there are cash grants that can be obtained.
By searching an up-to-date grant database, individuals can quickly find available funding programs in their area that they may qualify to receive.
Once obtained, government and privately funded grants do not have to be paid back unless the money is inappropriately spent and the terms of the agreement are broken.
Government grants for women can help single mothers, entrepreneurs and students get the cash they need to succeed. Whether the goal is to pay off debt, start a business or earn a degree in a high demand field, there is money available that these groups are willing to give to the right applicants.
Applying does not require a credit check and often does not include any kind of income verification or collateral needed.
Since grants are not loans, requesting these funds is different then applying for a traditional personal loan, as is the approval process.
By searching for and applying for government grant money for women, as much as $15,000 can be obtained to help individuals who can use a little financial assistance. Regardless if these funds are needed for a down payment on a new house, to start a home based business or to pay for daycare expenses, there are cash grants that can be obtained.
Hearing That Entrepreneurial Voice?
Women business owners are our only clients, so naturally we celebrate and support female entrepreneurship. Operating in this market gives us the good fortune to learn about some of the deeper themes in the lives of women business owners. It gives us insights into what really matters to women, and to what contributes not only to their success, but more importantly to their happiness and gratification in their professional lives.
So what are some of the common denominators among women who on the surface appear very different and diverse?
Female entrepreneurs got comfortable enough with the idea of risk to take action.
Notice I did not just say "comfortable" I said, "comfortable enough." By being a risk-taker, I don't mean adopting a "ready, fire, aim" mentality. I also don't mean "ready, aim, do more research, aim again, talk it over with friends, aim again, do another market analysis, prepare to fire, ask more questions, aim again…" and never fire. Successful women entrepreneurs do not suffer from what we might call "analysis paralysis." And they would see this as a blessing. Most entrepreneurs would tell you that it's a good thing they didn't know what their future would look like and how many challenges they would face, or they would never have begun! To be an entrepreneur means having the courage which is best summed up by John Wayne when he said, "Courage is being scared to death and saddlin' up anyway.
"
Many, perhaps most, women business owners simply "started" - they didn't found a company with a formal business plan and an SBA loan so much as they hung out a shingle and began doing what they knew they did well. They recognized they were good at what they did and thought, "I know as much (or more!) as the owner of this company does about how to run a good business. Why am I working for him (her)?" Or they were uncomfortable with something in their work environment (perhaps the values, the management style, the vision) and decided it was time to fly.
Most women found something they loved to do and turned it into a business. They didn't buy a business based on market analysis or how much income they could generate. It wasn't a process based solely on logic, but more on love. Recently, more women have become entrepreneurs by accident, not by choice, when corporate downsizing eliminated their position. They became a consultant or bought a franchise or started a company. Women who began entrepreneurship through unemployment shared the attitude that they were the lucky recipients of a severance package that will help them start their own business, not victims of the corporate machine.
While women entrepreneurs are a diverse group, they do share some important character traits. In general, we see women owners inclined to take initiative, to act; they are blessed with a high energy level. They are persevering, not daunted by problems, but facing them squarely they find a way through, around, or over to a solution.
Women business owners honor the importance of making their work a reflection of who they are and what is important to them. They know who they are, what their values are, what brings them satisfaction and what gives their days meaning.
This often has less to do with the content of their work than with the process. For example, one of our members owns a wholesale meat company. This doesn't mean that she has a lifelong love of cattle, (or worse, of cattle carcasses), but it does mean that she works in a business that is a perfect fit for her skills and talents. She loves the process of creating the vision, the systems, the structure and the teamwork to carry out the plan. She loves the process of improvement, the process of making something better.
And last, but perhaps most important, the most successful female entrepreneurs we see are those who have a grounded sense of self-confidence. They are not arrogant by any means. In fact they are usually quite humble. But somewhere along the way they learned the importance of removing any self-imposed limitations or psychological glass ceilings. I know several successful women business owners who never graduated from college. If they let that get in their way, if they somehow saw themselves as less able, less capable than other women, they would never have built the successful businesses they have today.
Are you hearing that entrepreneurial voice? If so, I hope you'll see yourself as competent and capable enough of accepting the full manifestation of the success you desire, see yourself as deserving. You don't need to know all there is to know, but please do hold in your mind your specific image of what success looks like for you. I wish you much success!
FIVE FACTS ABOUT WOMEN BUSINESS OWNERS
From the Center of Women's Business Research
• Nationwide, as of 2004, nearly half (48%) of all privately-held U.
S. firms are 50% or more women-owned
• Between 1997 and 2004, the estimated growth rate in the number of women-owned firms nationwide was nearly twice that of all firms (17% vs. 9%), employment expanded at twice the rate of all firms
• In the U.S., women-owned firms employ 19.1 million people and generate $2.5 trillion in sales.
ฉ 2004 Darcie Harris
Darcie Harris is co-founder of EWF Internationalฎ, an Oklahoma based firm providing personal advisory boards for women business owners and executives.
With 30 years experience in marketing, sales, management and entrepreneurship, she is achieving her dream by helping others achieve theirs. EWF Internationalฎ franchises are available throughout the Southwest.
http://www.ewfinternational.com
So what are some of the common denominators among women who on the surface appear very different and diverse?
Female entrepreneurs got comfortable enough with the idea of risk to take action.
Notice I did not just say "comfortable" I said, "comfortable enough." By being a risk-taker, I don't mean adopting a "ready, fire, aim" mentality. I also don't mean "ready, aim, do more research, aim again, talk it over with friends, aim again, do another market analysis, prepare to fire, ask more questions, aim again…" and never fire. Successful women entrepreneurs do not suffer from what we might call "analysis paralysis." And they would see this as a blessing. Most entrepreneurs would tell you that it's a good thing they didn't know what their future would look like and how many challenges they would face, or they would never have begun! To be an entrepreneur means having the courage which is best summed up by John Wayne when he said, "Courage is being scared to death and saddlin' up anyway.
"
Many, perhaps most, women business owners simply "started" - they didn't found a company with a formal business plan and an SBA loan so much as they hung out a shingle and began doing what they knew they did well. They recognized they were good at what they did and thought, "I know as much (or more!) as the owner of this company does about how to run a good business. Why am I working for him (her)?" Or they were uncomfortable with something in their work environment (perhaps the values, the management style, the vision) and decided it was time to fly.
Most women found something they loved to do and turned it into a business. They didn't buy a business based on market analysis or how much income they could generate. It wasn't a process based solely on logic, but more on love. Recently, more women have become entrepreneurs by accident, not by choice, when corporate downsizing eliminated their position. They became a consultant or bought a franchise or started a company. Women who began entrepreneurship through unemployment shared the attitude that they were the lucky recipients of a severance package that will help them start their own business, not victims of the corporate machine.
While women entrepreneurs are a diverse group, they do share some important character traits. In general, we see women owners inclined to take initiative, to act; they are blessed with a high energy level. They are persevering, not daunted by problems, but facing them squarely they find a way through, around, or over to a solution.
Women business owners honor the importance of making their work a reflection of who they are and what is important to them. They know who they are, what their values are, what brings them satisfaction and what gives their days meaning.
This often has less to do with the content of their work than with the process. For example, one of our members owns a wholesale meat company. This doesn't mean that she has a lifelong love of cattle, (or worse, of cattle carcasses), but it does mean that she works in a business that is a perfect fit for her skills and talents. She loves the process of creating the vision, the systems, the structure and the teamwork to carry out the plan. She loves the process of improvement, the process of making something better.
And last, but perhaps most important, the most successful female entrepreneurs we see are those who have a grounded sense of self-confidence. They are not arrogant by any means. In fact they are usually quite humble. But somewhere along the way they learned the importance of removing any self-imposed limitations or psychological glass ceilings. I know several successful women business owners who never graduated from college. If they let that get in their way, if they somehow saw themselves as less able, less capable than other women, they would never have built the successful businesses they have today.
Are you hearing that entrepreneurial voice? If so, I hope you'll see yourself as competent and capable enough of accepting the full manifestation of the success you desire, see yourself as deserving. You don't need to know all there is to know, but please do hold in your mind your specific image of what success looks like for you. I wish you much success!
FIVE FACTS ABOUT WOMEN BUSINESS OWNERS
From the Center of Women's Business Research
• Nationwide, as of 2004, nearly half (48%) of all privately-held U.
S. firms are 50% or more women-owned
• Between 1997 and 2004, the estimated growth rate in the number of women-owned firms nationwide was nearly twice that of all firms (17% vs. 9%), employment expanded at twice the rate of all firms
• In the U.S., women-owned firms employ 19.1 million people and generate $2.5 trillion in sales.
ฉ 2004 Darcie Harris
Darcie Harris is co-founder of EWF Internationalฎ, an Oklahoma based firm providing personal advisory boards for women business owners and executives.
With 30 years experience in marketing, sales, management and entrepreneurship, she is achieving her dream by helping others achieve theirs. EWF Internationalฎ franchises are available throughout the Southwest.
http://www.ewfinternational.com
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