The advent of online services such as Internet banking has made managing your finances easier than ever. The days of reams of paperwork, faxing back and forth between agencies and customers, and weeks of waiting while paperwork was processed have all been replaced by instant, online quotes, no-paper banking and direct contact between financial service providers and customers.The same holds true for Payday Loans. Payday Loans have become far more accessible, thanks to secure Internet sites, minimising the amount of paperwork involved and replacing copying and faxing documents with online forms that are filled out in a few minutes. In the bad old days there was also the question of access to a fax machine – if you wanted to keep your financial affairs private it was very difficult to get to a fax machine without your co-workers seeing all your details. Now that almost everyone has access to a home computer, no fax Payday Loans can be arranged in the comfort of your own home. The only security measure you really need to think about when arranging an online Payday Loan is that the site you are putting your details into is a secure one. This is indicated by the prefix ‘https’ in the URL address line and a locked padlock icon in the in the URL address line or bottom right corner of the screen. These security measures ensure that your details cannot be cloned by ‘spyware’ software and should be looked out for on all pages where you are filling in an application form.The reduction in hard-copy paperwork such as faxes or letters also means that a Payday Loan is much quicker to arrange. Whereas before you may have to wait days for an approval, no faxing Payday Loans are usually responded to within 24 hours. If you are approved, the money will be generally paid directly into your bank account that same day, giving you access to the funds in a much shorter space of time.Payday loans are a quick and easy way to ‘top up’ a bank account that may have too much month left at the end of the money! Unexpected expenses crop up for everyone, and despite careful financial management (and particularly if you are paid monthly) a sudden car repair bill or a last minute opportunity to book a cheap holiday can scupper even the most prudent of customer’s fiscal plans.Payday Loans are small loans paid against your expected monthly income and repaid with your next pay cheque. They are not intended as long-term loans, so it is essential that you work out exactly how much you can afford to repay with your next pay cheque without leaving yourself in the same financial position the following month. To qualify for a Payday Loan you must have a bank account, be at least 18 years of age and a UK citizen and be able to show that your wages are paid directly into your bank account on a weekly, fortnightly or monthly basis. Payday loan providers practice responsible lending policies, and aim not to lend to those who are over indebted, so they generally carry out credit checks as part of their approval process.Payday Loans are a perfect solution if you suddenly need a short term cash injection – perhaps to pay for a new mobile phone or a weekend break away. They don’t necessarily have to be for the nasty things in life like unexpected bills – they can be for the nice ‘treats’ as well. As said earlier, you do need to ensure that you are able to pay the loan back from your next pay cheque, so always make sure your finances can handle that extra payment at the end of the month without leaving you in financial difficulties the following month. The advent of paperless and no faxing Payday Loans have made managing little financial hiccups in the middle of the month that little bit easier.
The Best Internet Marketing Training Program Online
Are you wondering what the best internet marketing training program online is? Well I have to say, being an internet marketing consultant, I’ve came across a wide variety of programs out there. I’ve being practicing online marketing since 2004, so I’ve seen the old school gurus, and the new school heroes of today’s current time. And I can honestly say, the program quality is VASTLY different.The old school internet marketing training programs aren’t as software and technologically driven as today’s programs are. Back in the day, you would learn hard hitting strategies that really improved your website sales immediately. I want to share a personal story about a free internet marketing program I came across while I was in college – and it changed my life completely.So I was in college trying my best to make money in between classes, and I was doing the direct linking method of marketing. Back then you had traditional pay per click advertising search engines such as Overture, MSN Adcenter, and Google AdWords. Those were the top 3 – before Yahoo and MSN (currently Bing) merged. So I was in college linking directly to my ugly sales letter page, and getting no results. Well actually, the only results I was getting was bad results.I read every single article you could think of, and I came across a guy named Terry Dean. I read his article, was intrigued, and saw a link for a free book he had. The book was called something like, “10 Quick And Easy Ways To Boost Your Website Sales In A Week” (or something like that). I read it, and it changed my entire marketing completely.1 week after implementing his ideas and applying changes to my website, I got my first 2 sales ever. I fell out of my chair. I couldn’t believe it. I said this “internet thing” is real and I wanted more. Now fast forward to this day of age and the internet marketing training that I see is ridiculous. Everybody has a new secret or a new technique. Everybody’s trying to get rich overnight WITHOUT a website.There are a lot of internet marketing training programs these days that teach people to get started with affiliate marketing and just “share” their link on Facebook, forums, and search engines. This doesn’t work, and the old school marketers look at these promotional tactics and authors as if they are scammers. Why do I use the word “scammer”? Well it’s simple.Everywhere you go, everyone has a “new” way of doing something. Everything has to be faster, better, and more supreme than the proven way of making money. This is why so many people fail, because they think they can just put up a website, put their link into an autoblaster, and get rich overnight. It doesn’t work like that. Even worst is when people join an affiliate network, sign up to promote a particular product, and then just blast their affiliate link all over the place.And yes, there are high priced internet marketing training programs that advise this kind of marketing. It’s frightening isn’t it? It makes new age marketers like myself look bad and frowned upon, because my methods work, and it doesn’t take a genius to implement them and see results. Whenever you come across an internet marketing training program, you have to keep an eye out for a few things.You should look to see if the person has something free to offer you – to sample. This way you can “test drive” their expertise, and take a peek to see what they have to say. Then you should be able to take what you’ve learned from their free sample, and be able to apply it to your business. This is crucial, because just because you pay for an internet marketing program, doesn’t mean you’re going to learn the important stuff.There’s a well-known marketer online (who’s name I won’t disclose) who had an online business program. He had tons of testimonials from people who used his strategies and were making thousands of dollars per month. Some of them were making thousands of dollars per day. Actually… some of them were making over $10,000 per day – and they attributed their success to this guy’s course.So I bought the course for $39 (out of intrigue), and what did I find? I found a glorified sales pitch to purchase his $995 “advanced course” about making money on the internet. The material in the course that I bought only talked about why most people aren’t making money online, and how people promote products that they want to promote – INSTEAD of selling what people are looking for.Who doesn’t know that? What business owner would sell something that nobody desires? This is simple market research. So I bought the $39 course and was highly disappointed, and quite mad because of the testimonials that I saw that were associated with this course. So these are some of the games and gimmicks some of the new age “gurus” like to play in order to boost their bank account, and take advantage of people.So this was certainly not the best internet marketing training program I’ve seen. The old age internet marketer’s actually delivered when it came to value, and that is why they are legendary and are in the “hall of fame” of marketing. Nowadays you can go to YouTube and find over 100 gurus who have an internet marketing “success system” that is unique from everybody else’s. If you take a look at the ads, they all sound the same. And when you buy the products, most of them is just rehashed information.There are a lot internet marketing training programs on the internet, and you can’t trust just anybody. If you’re going to follow someone, make sure they have a real website – and not just an ugly affiliate link. Make sure they have an email newsletter that you can subscribe to and learn from. Make sure they have training articles and free materials that you can learn from. Make sure you can reach them by email and via social media. And make sure they are current and on top of the latest trends in the internet marketing industry.Be careful who you buy from, because you might end up disappointed like I was.
Business Capital Solutions In Canada: Accessing Proper Cash Flow & Commercial Financing
Business capital requirements in Canada often boil down to some basic truths the business owner/financial mgr/entrepreneur needs to address when it comes to financing for businesses.
One of those truths? Knowing the true state of their financial condition and what financing they do and don’t qualify for when it comes to meeting commercial lending requirements in Canadian business.
Business Loans In Canada
Whether you are smaller or start-up firm looking for information on how to get a business loan or a larger established firm looking for growth financing or acquisition opportunities we’re highlighting 3 mistakes that commercial loan seekers like your company need to avoid making when addressing, sourcing and negotiating your cash flow / working capital and commercial financing needs.
1. Understand the true condition of your company finances – These are almost always successful addressed when you spend time on your financials and understand how your financial statements reflect your access to commercial loans & business credit in general
2. Ensure you have a plan in place for sales growth and financial needs as it relates to commercial financing
3. Understand that actual hard facts about cash flow which is, of course, the lifeblood of your company
Can you honestly answer or feel positive about all those 3 points. If so, pass Go and collect $ 100.00!
A good way to address your company’s finance plans is to ensure you understand growth finance solutions, as well as how to manage in a downturn – i.e. not growing, losing money, etc; It’s never fun to fund yourself in an economic or industry downturn such as the COVID pandemic of 2020!
When we talk to clients of new or established businesses it seems they are almost always talking about sales, so the ability to understand and focus on the differences in their profits and cash fluctuations is key.
How do cash flow and sales plans and projections affect the type of financing you require? For one thing sales growth usually starts out by consuming your cash, not generating it. A poor finance plan will drag your business down and addressing financing simply gets tougher and tougher.
Three basics always emerge when it comes to your search for the right business capital and financing.
1. The amount of financing you need
2. The type of financing (debt/cash flow/asset monetization) The business loan interest rate will be dramatically affected by whether you choose traditional or alternative financing solutions. Private business loans in Canada come from non regulated commercial finance companies most often known as ‘ alternative lenders ‘. These lenders are typically highly specialized in one ‘ niche ‘ of business financing and may be Canadian firms or branches of U.S. banks and non-bank lenders
3. How the financing is structured to be manageable with your day to day operations
What Finance Company In Canada Can Meet Your Borrowing Needs & Why Is Capital Important In Business
Let’s identify and break down key financings your firm should know about and understand if they are applicable and achievable to your business. They include:
A/R Financing / Factoring / Confidential Receivable Finance
Inventory finance / floor planning / retail inventory
Working Capital term loans
Unsecured cash flow loans
Merchant working capital loans/advances – these loans are geared toward short term cash needs and are typically one year in duration. Loan amounts are typically 15-20% of your annual sales revenues.
Royalty finance
Asset based non bank business lines of credit
Tax credit financing (SR&ED bridge loans)
Equipment Leasing / Sale leasebacks – Equipment financing in Canada is used by almost 80% of all companies looking to acquire new, and used, assets.
Govt Guaranteed Small Business Loan program – Government Loans in Canada are sometimes referred to as ‘ SBL’, aka Note: BDC Finance solutions are available from this Canadian non-bricks and morter crown corporation. A small business loan via the government-guaranteed loan program comes with true flexibility around term loan duration, market rates, no pre payment penalties, and of course the low personal guarantee that is required by borrowers. These two ‘ government ‘ loan solutions are often perfect for financing a new business.
If you’re focused on not making mistakes in your business finance needs and want to capitalize on the solutions your competitors are probably already using seek out and speak to a trusted, credible and experienced Canadian business financing advisor who can assist you with your cash flow and commercial financing needs.
Stan has had a successful career with some of the world’s largest and most successful corporations.
His employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) In 2004 Stan founded 7 PARK AVENUE FINANCIAL – He is an expert in Canadian Business Financing.