Have you ever been denied for an SBA loan? -

What reasons do they deny their startup loans? Im interested in the 7a loan, but want to know what reasons they may decline it.Thanks!

Hi Jay,Just like a bank can deny a loan for various reasons, the SBA Guarantee programs can have the same kinds of faults. And, it is the BANK that approves or denies the loan, not the SBA program.The SBA Guarantee simply allows the bank to broaden their loan criteria to allow them to loan money to a client who may not otherwise qualify. Personal credit history, and insufficient personal contribution are the two main reasons a bank denies a loan app under SBA guides. Oh, and a poor or incomplete business plan goes into the equation as well.The SBA and the Federal Govt are not fairy godmothers in the lending business. They make their decisions/allocations according to the reasons for having the programs in the first place, not to make your life easier. Check out www.business.gov, www.sba.gov, and www.score.org You will find tons of info on preparing plans and submissions under SBA guides. Planning is key. In order to plan effectively, you must conduct some research. What do you need to provide your services? Who will you provide them to? Who are you competing against? What makes you better; gives you an edge ? How are you going to reach your prospects/potential clients? Answering these kinds of questions gives you a basis to begin a business plan.You can download my free research outline at www.abusinessmentor.comIt should certainly guide you in the right direction.Good Luck!

Am I able to use a sign stating no refunds. - UK only? -

Hi, I run a cosmetics business, and i know all my products are perfect, I check them all before they go out. However, there are a few women who are bringing back products. And even because they purchased the incorrect colour or brand (even though i helped them for half and hour to fnd their perfect shade) Am i legally allowed to use a sign stating no refunds, and how should it be worded?

Well you can put up such a sign if you want a visit from Trading Standards!People are only entitled to return items if they are faulty, same as with any other product. They are not entitled to refunds if they change their mind.I suggest you contact trading standards and they will tell you how to word a sign making it clear you will not refund if people change their minds.You need to be sure that the sign does not exclude legal rights to return in the event of goods being faulty.

You can state that for hygiene reasons, you will not refund products once the seal has been broken.However, you are not even obliged to give a refund if someone has just changed their mind. (Unless they bought it by mail order).If the product is faulty or not fit for purpose, they are entitled to a refund under the Sale of Goods Act 1979.I would suggest that your notice should say Thank you for shopping with us. Before you buy, please note that we do not refund products because you have simply changed your mind, or no longer need the items you have purchased. This does not affect your statutory rights.

it is a statutory right in uk for 30 days to return even without receipt, I am sorry but that s the way it is for retailers, just look at argos for example: it s full of S-wholes returning stuff on a daily basis.. people just buy then repent and change their mindsonly underwear, sex toys, lipsticks, etc cannot be refunded due to hygiene reasons, and there you have the law backing you upyou could ask if possible to have a sign stating that no refunds will be given on opened items, perhaps sealing each cosmetic in an individual plastic wrapping with a sealor change country/business..

I don t know but on GMTV the other day Martin Lewis was talking about refunds and the big shops have a 28 day refund and must have a sign to say so but legally when someone buys something you do not have to give them a refund unless it is faulty, you will probably find it on the GMTV website but the shops I buy makeup in tell you that for hygiene reasons make up cannot be returned, I would presume you could have a No Refund Policy displayed.

if you buy make up from high street stores and shpos etc they will not exchange or refund products even if theyre still sealed. i dont see why you cannot do the same.just make a sign which would read something like .... make up purchases are NOT covered by the current refund/exchange policy in this shop, due to health and safety reasons. please be aware of this before you buy .

The main laws that apply here are - Sale of Goods Act 1979. Supply of Goods and Services Act 1982. Sale and Supply of Goods Act 1994. The Sale and Supply of Goods to Consumers Regulations 2002. They all say the same kind of thing, just worded slightly differently.It all depends on why they are bringing them back.If they are bringing them back because of things such as wrong brand or no longer like the colour etc then legally they have no recourse - legally the point is caveat emptor otherwise known as, let the buyer beware . If you are being completely honest with them when they are purchasing it and not lying (like saying its a different brand to what it actually is), then they have no legal recourse. Many stores offer a credit note policy in this case, mainly for good customer relations, but you do not have to refund them.As for the no refunds sign - put simply DON T. Its a blanket measure which isn t appropriate. By saying that you are saying you will not refund if a product is faulty. The Sale Of Goods Acts say that if a product is not fit for the purpose it was bought for, i.e. if the product doesn t work, or if the product isn t as described (the box says red lipstick, but in the box its black) and if you claim within a reasonable time. Most people say that reasonable time is within 28 days, but that varies from product to product. For example returns on bananas would be pretty useless at 28 days after purchase.If you do want to put up some sort of disclaimer, I d suggest going to one of the bigger stores such as Matalan/Next etc and looking near their customer service point. They generally have some sort of sign there explaining the law (which should sound something similar to what I said above) and simply copy what they say and word it to how you want.Hope this helpsAnd also as a side note, you can ask for proof of purchase from the buyer if they have asked for a refund, but it doesnt necessarily have to be a reciept.

Can you open a bank account in your name at age 15? -

i wanna open a bank account with or without parent signature to deposit my checks from my job each week. can i open an account?

Hello Jack, I hate to disagree with the children providing you the prior advice, but as a minor, presumably living in the United States, you are not legally entitled or empowered to solely enter into any binding contract, except for necessities of life which are unlikely to include a bank account. Some banks banks may not ask or request you falsely claim to be an adult, but until you are 18, you may not have a bank account in your sole name. An adult parent or guardian is necessary to open an account on your behalf and it can be in your name under the UGMA (Uniform Gift to Minors Act) and you would be free to deposit any check without any co-signature. I hope this answers your question.

You should be able to open a saving account, yes. You can use it to deposit your checks and withdraw the money as you wish. However, you need to be 18 to open a checking account, which you would use to write checks or have a Debit card.

Yes

Help drafting a quot;Thank Youquot; letter to the candidates who came to my interview today? Something encouraging.? -

I didnt want to just say hey if ya dont hear back from me by friday you didnt get the job . I want something more personable. After all, they were the ones who were coming to my rescue as I was in need of a new staff member for my small company. Work is hard to get nowadays so I want to send a nice message out because I met a lot of very nice people. Thank you for your help and in helping support those looking for work. 10 Points handed out asap. Thanks :)

Dear Name: Thank you so much for your interest in our company. Unfortunately, you did not get the job. However, it was not because of any fault of yours. I found you to be competent and motivated, and wish I could hire the many talented people I met over the course of these interviews. I hope we can keep you in our files should another opportunity arise with us, and wish you luck on all your future endeavors. Sincerely, Your Name Company or Job Description

Looking to sell some stuff on ebay, would people actually buy it? -

ok, so i m looking to sell old clothes and bags and anything else i can find lying about just so i can make a little extra money for xmas. is it diffcult selling on ebay?any advice would be fabby :)

Hi.I ve been selling on eBay for years now and yes, I started by selling some of my clothes, bags, accessories that I no longer use. I still am selling these products along with products that I have bought from wholesale lots. It is true that if the item is branded, then, it ll most likely sell quicker than the others and at a higher bid price. The trick to making sure that your items will sell is by taking great pictures, creating a good and accurate description and of course, a good title! For more tips on how to make your listing attractive to potential buyers, check out this excellent article, http://www.salehoo.com/selling-on-ebay-a�� Also, pricing plays a big role on ensuring that your auction ends in a sale. You can try different pricing strategies suggested in the article.eBay selling is pretty easy and fun! Sales are even better on holidays. Since Christmas is almost here, we should all get ready for some great sales! Good luck!Cheers,Haydeep.s. eBay Help Pages has everything you need to know about selling on eBay so have a look in there.

Check it out,monitor a few sales.I hear baby clothes and special occasion/ designer wear sell well.You need to make sure everything is clean and in a good state [no buttons missing etc]Take care with your description,sizes,length of skirts,colour etc.Be honest!Take care to photogragh it well.Check the postage rates.Get proof of postage as well,there are few people who scam folk,that claim they didn t receive the goods ,when actually they did and get a refund.

Easy to sell on ebay if you have what folk want and if your prices are right. By the search button on ebay in small writing are the words advanced search . Click here and list your intended item. Click the box which states FINISHED or COMPLETED sales and run the search. With a few tweaks, you will find what similar things have sold for in the past. See how they have been advertised and copy! You could make a fortune - but it can be very hard work!

I would say there isn t much of a market for used clothes unless they re expensive designer clothes The cost of shipping usually cost more then the clothes sell for.

I think there are people would like to buy your products have try and see what will happen.

you would be surprised what people will buy on ebay if the price is right and condition is good

you would be surprised what people will buy on ebay if the price is right and condition is good

Is there any Genuine amp; real earning online site please reply as soon as possible.? -

You can only obtain legitimate work from home positions from brick and mortar companies. You want to send your resume out to companies hiring for positions you are qualified for, but include in your resume that you have a home office and you wish to work remotely. Include how you have your home office set up and what equipment you already have in order for you to perform your job. These jobs are just going to advertised as jobs, they would not promote them as work at home because they would hear from too many unqualified people.

Typically most sites are scams but you CAN make money online rather easily. It s not typically a job but a pay for performance kind of thing. #1 thing done online to make money is affiliate marketing. Basically you review and sell products and then you make a cut of the profit. Sometimes up to 75%. It adds up pretty quickly. Find something your passionate about and figure out a way that you can monetize it. To work online you need to be pretty self motivated.

Ahhhh and again, jobs.? -

I might have asked this before, but I just want a job basically enough for gas and insurance on a car. My uncle does own his own dealership, he sells used cars. Is it possible for me to get a legitimate job long-term if it s a family owned business? Or is it all under the table work. What kinds of things could would I be doing if I could get a job. He s told me before I can work down there, I just don t know what I would be doing every day.

There s nothing wrong with working for a family-owned business. Many people do quite legitimately.If your uncle owns a used car dealership, he d probably have you selling used cars, or perhaps helping out with paperwork in the office. Why not ask him?As for status, getting paid under the table is illegal for any business, whether family owned or otherwise. So unless your uncle is a shady businessman and a tax-cheat, you shouldn t have to worry about getting paid under the table.

well under the table deal will finally catch up with you and when its time to do it the right way you could be stuck. If you just want to make money for gas and insurance i will point you out a link that will be helpful and that is just right check this out http://www.prepaidlegal.com/hub/samuellugalia