Monthly Archives: July 2018

Title Nigel Mayne And The Small Business Franchise In 2011

Title Nigel Mayne And The Small Business Franchise In 2011

As February rushes by, those New Year resolutions may be turning into distant memories if not forgotten dreams. Except for that one significant promise, to become master of your own destiny and invest in your own business.

If you are dreaming of owning your own business, there are some trends in your favour. Slow to moderate overall economic growth in many countries hard hit by the recession is forecast to continue through 2011. In the US, the small business sector remained in recession in 2010, lagging in recovery, and is now predicted to see stronger demand and better business conditions this coming year. Key trends seen as driving the growth of small business are
small manufacturing businesses in niche markets aided by technology making barriers to entry lower,
the weak dollar aiding US manufacturing cost competitiveness,
the internet becoming more widely known to small business as a low cost way of sourcing and selling goods and services.
Small business growing more familiar with and making greater use of social media in their local marketing efforts -think Groupon Inc and its highly successful coupon business supporting local deals!

When time is not on your side, the resilient and proven franchise business model allows you a faster and often comparatively risk adverse track to generating positive cash flow. Although its your own business, you don`t have to go it alone making a proven franchise operation a smart choice. Strong viable franchise opportunities are there for the qualified buyer, so how to join that select group?

Access to financing from traditional sources is expected to remain tight in the US throughout 2011, in spite of the Governments continuing efforts to support small business through tough times. We recommend that potential franchise buyers be cautious when selecting companies to do their 401(k) rollovers or when selecting a financing company with all of the fraud that has occurred in the banking sector over the last several years, finding a reputable company to provide your financing is more important than ever and a winning point in your favor with franchisors.

MatchPoint Franchise Consulting Network was founded in 2006 with a mission of helping companies expand their franchise networks and improve their system. The advice offered freely to franchise buyers by MatchPoint consultants is vital to the buyer in making a better, prudent, buying decision. The advice offered by our consultants does not make us lawyers; it is there to help the investor with a high quality due diligence process.

MatchPoint consultants know the red flags in the investment field. It takes the very few promoters that practice business fraud to taint the dream of the franchisee and their family.

That`s where seeking the independent advice of an expert franchising consultant is prudent and invaluable.

The 10 Best Resources For Options

The 10 Best Resources For Options

The Importance Of A Relationship Coach

The never-ending cycle of meeting, knowing, dating, and eventually dumping makes almost anyone enervated. It also applies to actually be in a relationship where the once sweet courtship is turning into a fight fest and you do not know what to do.

There are numerous benefits that can be drawn out from the help of relationship coach which acts as a couple’s counselor or someone the ladies turn to for advice.

Through the service of a relationship coach, women will be able to understand what is it that they need in a man or in a relationship, aiding them to learn about their partners as well as themselves in the process.

This is a golden opportunity for women to learn, relearn, and unlearn all there is to know about a relationship, so without further ado, view here for more details about the top reasons as to why women need a relationship coach.

Communication is vital in everyday life and so is in a relationship, dating coaches help women understand the different perspective in order to cultivate a relationship that is grounded on strong communication. Communication is for everyone and this an avenue to voice out their opinions and express themselves.

In the concept of seeking for a relationship, dating coaches help you maximize your full potential in order to achieve the man of your dreams.

Sometimes, speed dating and blind dating can be a daunting experience since you wanted a relationship that you can nurture and someone you can marry in the future.

Dating coaches help you weigh out your options, they give professional opinions as to which guy suits you best and how your matches are supposed to be like.

Dating coaches train you to better in speaking and bonding so that you will be able to release the tension and focus on the good outcome of things.

Relationship coaches give you an insight on what are the possible responses to a problem and way to deal with anger so that you can air it all out to your partner.

A coach guides you in building a relationship that is founded on trust and maturity as well as the ability to adapt and the acceptance of change and improvements.

It is clear what are that there are numerous benefits that a relationship coach can deliver and these benefits can be used to the fullest potential.

In totality, it helps you, learn more about yourself so that in the end you will acquire personal strength and self-respect to be able to strengthen relationship with others as well as yourself too.

Services – Getting Started & Next Steps

Services – Getting Started & Next Steps

Reasons for the Marketing Agencies Growth Today

You should know that when it comes to the growth the marketing agencies are one of the best doing areas in the society. It is good to note that when it comes to the business marketing is one of the vital things to do. The needs to do the proper kind of the marketing is essential for any business.

Through the use of the marketing techniques the owner of the activity will have much to gain when it comes to the sales. For any company that deals with the goods and the services there will be more than one reason that will make it to have a better marketing services at its own benefit.

When it comes to any given business you should know that there are those factors that will make it to have the services from outsourcing rather than having its own. For each day you will find that the growth and the increase of the marketing agencies are expanding due to many given reasons.

To understand better it will be a good thing if you will be able to know why such a growth is finding its way into the marketing agencies. Below are some of the things that will make you to understand the reasons as to why there is much growth when it comes to the marketing agencies as the website explains

You should know that marketing is an important part of any business activity. For the better sales, the business will have something to do with the marketing. With the use of the marketing agencies the process becomes much easier to for any business.

It is excellent to understand that when it comes to the costs maintenance when it comes to any given venture the agencies do play an important role. The use of the services of the agencies makes it much easier for the business to market its products when it comes to the costs.

It is good to note that the rising needs to have the expertise help when it comes to the marketing is one of the things that is paving way for the agency sector. You should know that the top agencies would not fail to seek the opportunities once they present themselves.

It is good to note that the perception of the agencies as the ultimate choice for all of the business needs when it comes to the marketing is one of the major reasons forever-rising growth. The agencies have succeed to show that they have the perfect help that the businesses would like when it comes to their marketing needs.

The Essentials of Experts – The Basics

The Essentials of Experts – The Basics

The Benefits of Starting Entrepreneurship And Establishing Business In Colombia

When you handle a certain business, it requires a lot of time in doing research, feasibility studies, weighing down considerations, service evaluations, and of course a suitable amount to invest in. Yet, some individuals are motivated and driven enough to venture out in entrepreneurship, being the boss on their own business and face the challenges it entails.

This challenge of being an entrepreneur is not easy, as you need to develop the ability to be alert to recognize and pursue new opportunities, have a mind and heart that is open to learn and utilize new practices, possess the understanding of the importance of enjoying and being interested in business, all these to be successful. In addition, a successful entrepreneur must have a profound personal initiative, exercise the flexibility in responding positively and creatively to the challenges and bounce back from learning the mistakes with all the perseverance and determination to pursue.

These are only a few of the many to mention traits and characteristics that an entrepreneur should have in order to be successful in this company and thrive in the industry.

Expanding your dreams as an entrepreneur is not limited and what are the possible chances of your success as an entrepreneur if you have it in Columbia? Despite the negative impression about Colombia in the past, it is now gearing back to show its great qualities that have attracted many entrepreneurs to invest in this country.

Some top reasons that these entrepreneurs have is first the low cost of living in Colombia, most especially when it comes to accommodation and transportation that can be a great advantage, to begin with.

Because Colombia is still considerably undiscovered, economy is still on the rise and booming, and when you get into business in this country at that state you will have better chances of being well established with yet less competition.

Also, Colombia is a country that is very easy to do business with as it has the best investment protection that will be an advantage for entrepreneurs to delve into Colombian markets.

Lastly, Colombia also is known to have strong trade links, have a large number of internet users that can be an advantage when establishing a website page, fast economic growth, and still rich in resources and commodities as well.

Having the great motivation and the right business to start with, and with the right knowledge and tools to make the business thrive to its success, no matter where you will establish such business you will surely see your goals being achieved, how much more if you have a very good place to start like Colombia.

An Honest Review Of Agel Enterprise

An Honest Review Of Agel Enterprise

If you are looking for a method that can help you gain income in a really lucrative manner, then most probably, you are in search for a company that can help you achieve your goal. Multi-level marketing is the hype nowadays and this results to the massive increase of companies that follow the same pattern of business. This article will try to provide basic information about Agel Enterprise to help people decide if it is a worthy venture or simply a waste of time and money.

Agel : The Company

To start with, Agel is one of the recently introduced multi-level marketing (MLM) companies founded by Glen Jensen that specialize on vitamin and other nutritional supplements. It was introduced in this industry in the year 2005. The launching of the company was grand and fabulously remarkable with the extraordinary and exceptional introduction in 10 countries.

The Product of Agel
To be different with other vitamin MLM companies, Agel introduced a product line that is based on Gelceuticals. These products are formulated in such a way that the vitamins are combined with a gel substance in the assumption that this will promote better and enhanced metabolic absorption. This type of formulation is followed with the manufacture of other items like Agel:

1. MIN (general nutritional vitamin)

2. FIT (designed for weight control purposes)

3. OHM (an energy vitamin)

4. UMI (Fucodian based nutrient)

5. EXO (exotic fruit formulation)

Compensation Plan of Agel
Agels compensation plan is defined as modified binary compensation plan they term as Quadra plan. This type of compensation plan structure is more appreciated by experts in the MLM field because they agree that this has the greater chances of providing generous income for its distributors. Besides this mode of compensation plans, Agel still offers other means of earning incomes through different types of bonuses and incentives. Business builders can have the chance of earning money through team volume commissions and leveraged matching bonuses to name some.

Though there are still others who are somehow hesitant to join because they are taken aback by the compensation structure of Agel, looking deeper into the picture would lead you to the concept that it is really capable of offering a profitable networking opportunity. It all takes sufficient patience and hard work and soon you will be gathering the fruits of your labor.

Loan Modification Document Checklist

Loan Modification Document Checklist

Home loan modification may be the best way to get out of delinquency and save your home. But promising as it is, a loan modification can only work if you do your part in the process. Reports from major lenders show that most loan modifications fail because people don’t comply with the requirements, particularly when it comes to paperwork. It may seem like a big task, but it’s not as complicated as it seems – and it’s always worth the effort to save your home.

Your home loan modification attorney can help you gather the documents you need to complete your application. To help you get started, here’s a list of loan modification documents required by most major lenders.

Hardship letter This is basically a letter explaining the circumstances of your default and how you have recovered. Make sure every claim can be backed up with solid evidence such as bank records, and don’t exaggerate or play down details. Your home loan modification attorney can help you draft your letter to meet your lender’s standards. Most lenders also require a photo ID and a copy of your social security card.

Proof of income Steady income is one of the main requirements for a home loan modification. Your bank will want to see proof that you’ll be able to make your payments once the loan is modified. The general requirement is two months’ worth of pay stubs and tax returns for the last two years, or if you’re self-employed, your latest IRS filing plus proof of two months’ worth of income. If you’re getting child support, pension, or other sources of income, you’ll need to provide proof of these as well.

Financial status Your bank will want to know how your current finances are, and whether you have assets other than your home. Provide bank statements from your current accounts, including checking and savings. If applicable, you can also submit statements from your 401(K), profit sharing plan, IRA, or retirement account. Investment accounts such as stocks and bonds can also serve as proof of assets. Your home loan modification attorney can help you determine which ones will be most valuable in your case.

Mortgage documents Most lenders will ask for your latest mortgage statement, as well as any recent correspondence you have received from them. If your mortgage payment doesn’t include insurance and taxes, you may need to provide these statements as well.

Other bills Not all lenders will require utility bills such as gas, electricity, phone and water, but it won’t hurt to put in some as well. These will give your bank an idea of your monthly expenditure, which in turn helps them find a suitable home loan modification plan. Other useful documents include garbage pickup bills, home insurance policies, and homeowners’ association dues.

Sample letter for loan modification demystified

Sample letter for loan modification demystified

When you are faced with financial hardship and you want to write an effective letter for loan modification, there are some basic rules you need to abide with for your application to be accepted. I have drafted here a sample letter for loan modification. Start the letter by writing your name, loan number, contact address, phone number, and may be your email address. Then in the body of the letter: To Whom It May Concern I’m writing this hardship letter to you in order to explain the reasons behind my requesting for a loan modification on my mortgage payments. I made my last payment just before August last year, since then I was not able to make any other payment on my monthly mortgage, reason is because of my husband terminal illness with gulp huge amount of money from our treasury since then it become increasingly difficult for me to handle alone. I am requesting for an interest reduction down to YX% from my current XX%. I feel it is a fair percentage for you, and this will be within my means. Prior to husband illness, both of us have been making enough to carter for our mortgage. Even when our interest rate rose to XX% we had no difficulty paying it. However, since the illness, I was left with half of the monthly income I had before. I had been pulling together enough to pay the bills and mortgage by pulling from our savings and the small amount of life insurance I received, but I can not cope for now that is why I requested for loan modification option from you. Without you lowering my interest rate, I won’t be able to afford the monthly payments. I have to make a choice between a loan modification and a foreclosure. I prefer the former far better than the later, and you probably would as well. YX% is the most I can afford now, even if I cut all of my expenses out of the picture. Please consider my application seriously and I hope to hear more from you on this matter soonest. Sincerely, Your Name (with date) You will notice that this letter is simple but straight to the point, it explain the circumstances of the loan seeker and her ideal interest rate based on her present income, she also showcase seriousness, she also let the lender know she would like to still maintain her home, the letter also pleads a good case for the lender, your lender must be aware of your choice between modification and foreclosure, although your lender may lose money on loan modification but it can not be compared with foreclosure, if you get all your facts, numbers and story straight you can put up a compelling hardship letter. Further more, for essential tips and facts on how to get quicker approval on your loan modification, I have done some research on this for you, visit for updated information.

Nintendo’s Draconian Stance Against System Modification

Nintendo’s Draconian Stance Against System Modification

Nintendo is one of the most creative and innovative video game companies in the world, but their stance against modifications of their products is nothing short of Draconian. In short, Nintendo says there is no legitimate purpose for game copying devices, emulators, and modification (mod) chips or other devices that enable homebrew applications. Sony and Microsoft have similar stances, but are a little more discreet in expressing their disdain for such devices, though no less aggressive in filing lawsuits against large-scale distributors of such devices.

Nintendo’s own legal information FAQ states, “Mod chips circumvent the security embedded into Nintendo’s products. To install the mod chips into a Nintendo hardware system, it is necessary to dismantle the product and, in some instances, remove components.” Nintendo automatically equates using mod chips with circumventing security of NINTENDO’S products. This is an interesting view considering most of us believe that once we buy a product it is now OUR product and not the manufacturer’s. Can you imagine a car manufacturer asserting similar claims? Ford could claim that changing out the computer chip in your car circumvents the security on FORD’S product. However, most of us believe that once you pay for a vehicle it is yours to alter in most any way you choose. Nintendo claims exceptions for video game consoles that few other companies would dare claim. Nintendo claims that even though you bought the product, it still belongs to Nintendo and that altering it, no matter the reason, somehow damages Nintendo. They want the very act of altering the device to be illegal even without proof of criminal use of the modified product.

Just because a game system modification enables illegal activity does not mean it will be used for the purpose. Using the car metaphor from earlier, just because I could modify my Ford vehicle to greatly exceed the speed limit does not mean I will blow through a school zone doing 88 mph. Just because I modify my Nintendo game system does not mean I will use it to illegally copy and/or distribute games.

In almost any area outside of the video games industry, making a modification to your property would not be illegal, even if that modification could enable the performance of an illegal act. Nintendo acknowledges only one use for these devices, and that is the illegal copying and distribution of video games. This view discounts the numerous legitimate uses for modification devices. For instance, many people use their Nintendo handhelds to read classic literature. This requires the use of devices Nintendo claims are only used for piracy.

Making it illegal to modify a product you paid for is absurd. Unfortunately, if Nintendo has its way, you will pay for a device and not legally be allowed to use it for anything for which Nintendo does not approve.

Great Investment Tips For The Current Recession

Great Investment Tips For The Current Recession

With many headwinds threatening to send the US back into a recession, many smart investors are focusing their portfolios on only the income generating stocks and commodities (especially precious metals) that still have room to run.

Many astute economists now admit that the hangover from the financial crisis is still playing out and while many people are panicking and losing money there are many areas of growth out there at the moment. Investors just need to look past all the doom and gloom that is out there and being written in the papers and economic journals.

The 7 best ways to protect yourself from the coming economic troubles include:

1) Focus your efforts on High quality businesses and stocks that have A-Type balance sheets and strong yields.

2) Stocks that only provide reliable dividends and have a proven track record in a weak economic environment.

3) Choosing stocks and bonds that show low debt to equities ratios and high liquid asset ratios currently. This is really companies with good balance sheets and no heavy debts lingering from the financial crisis.

4) Choosing the hard assets such as oil and gas royalties, and similar real estate investments with a long term focus on various income streams.

5) Choosing sectors and companies that have high variable costs, and low risk entries such as utilities, consumers staples and especially health care services.

6) Choosing areas such as high growth potential in the Alternative / Clean energy sectors. Or also sectors that are not heavily reliant on bullish equities markets and volatile market swings.

7) Subscribe to the free trends alert with all the latest and greatest tips for investing in a poor economy at with regular updates from some of the best investing minds and forecasters in the world.

The best thing about a weak economic environment is that good opportunities stick out like a sore thumb. You just have to be on the lookout for them. Do not think that there are limited opportunities out there at the moment. There is an era of very aggressive growth coming when the US recovers from this credit crisis hangover. The best time to ride the coat tails of this booming period is before it happens. That time is right now, when everything is cheap and flat lining.

The best bet is to never put all your eggs in one basket. There are always opportunities out there, and no one ever made lots of money but not diversifying. Investment diversification will be your friend in the next few years at the US and economic situation start to get better.