How quot;easyquot; would it be for us to get a small business loan? -

I would like to get a small business loan. My credit score is 750, my hubby s credit score is 780. The only debt we have is my student loan which is $40K. My hubby and I together bring home 70K after taxes. No kids or any other debt. Our monthly expenses are about $2000.00 because we are renting a cheap apartment for me to pay a lot toward my student loans. What is the average amount people ask for? We were thinking about asking for $50,000. What do you think?

If it s for a business, the business needs to be making money. However amount of money it s making is what thye base the credit / loan amount to be.If you don t have a business making money, you will need investors. To get investors you will need a buisness plan and be convince investors. The bank will give you a loan, but it will be tied up to your personal credit. It s not really a business loan or SBA loan. You are using it for a business, but if biz goes under, so will your credit. Protect yourself. Set up an LLC. Write up a strong buisness plan. Get investors to go along with your vision.Good luck!

Work 4 free to get experience? -

I have wanted to be a fashion designer all my life since I was a kid I ve been designing outfits and have gotten a lot of good responses and complements. I know I m good at this, I m just very confident about this. I ve come up with a plan to start my own thing but due to a lack of funds it s going to take me a good six to eight months before I can branch out on my own with my ideas. Well for now I ve been offered an opportunity to design for someone who has connections in the films industry (mainly low-budget films) but I wont get paid now. She is just getting into this part of the biz, so she has no funds to pay me now - but there is potential for pay in the future. What should I do? I haven t worked in this field ever this could be much needed experience that i might could benefit from. I m just not sure if I want to use my designs for this project when I can use it for my own project in several months. I also keep thinking that I m not getting paid, I don t know if I want to work for free. I m sure this person will get paid but not sure how much she expects to get in her bank account before she thinks it s safe to begin paying me? This is quite a dilemma for me. I m hoping that someone can help me get some clarity on what is a wise choice here. -Thanks for any advise you can offer.

Get a good contract protecting your designs, guaranteeing they remain your property. Also the time you expect to be paid and the percentage.

Help Seasonal Employment.. Where shoulld I work? Best employee discounts? -

I applied at Vicoria Secret, Traffic Shoes and 579. I am looking for a big discount.. I know Victoria secret is 30% but they are overpriced. Does anyone know what stores offer the best discounts? Thank you so much.

Think about why you want to work at the store. If you want an employee discount, consider how much of the inventory you will really buy and why you are buying it (presents for friends/family or for your personal use). If you want a solid paycheck to afford to buy stuff, you might want to consider other places.For employee discounts, an electronics store or book store might be a better selection for holiday gifts. Those stores will cover more people than clothing stores will. Another option is grocery stores that offer employee discounts-holidays come and go, but you have to eat all year long.

Where can i get a list of startups companies looking for early stage partners? -

I m looking to get involved in a startup - but these companies are under the radar most of the time (no revenue, 1 or 2 employees/founders, zero advertising) -- How can one find one?

Two to three times a day you ask this question here: I am interested in being a silent partner to a start up company. If you know anyone looking for assistance in reaching their goals, please, have them answer below

Hi,I was in a similar situation, which I why I actually started a website called StartupPartners http://www.startuppartners.orgThe idea is to get people together that want to start something, and are missing one or more people or skills. It will be promoted heavily over the coming months, so get in there early!

New to the bussiness world. At what point do I start chargeing sales tax? I have a handyman/construction.? -

I have been doing side jobs for years but now I am stating go main stream. I have always claimed my income to the IRS but now at this point when if any do I start charging sales tax? I was living in California and now live in El Paso Texas if that makes any difference. Is there anything else I should be aware of?

Typically sales tax is collected on tangible items that you sell. Usually sales tax is not required for service work.

Contact the State Treasurer s Office. Make sure your business needs to collect and report sales tax.

Here is the link to the sales tax page at the CA Tax Service Center.http://www.taxes.ca.gov/Sales_and_Use_Ta��

Why is it so hard to get a small loan??? I own my home, two newer trucks,and a secure job!!!!? -

I m only looking to borrow $1500.00 dollars to get out of a little jam!!! The bank will only lend $5000, and I don t need nor want that much!!! If anybody can offer some advice that would be great!!!!

Borrow the 5k, use what you need then pay the 3500 back as your first payment and make monthly payments for the rest. Why make your life more difficult

You can try a payday loan. They are usually available at check cashing stores. It might have a higher interest rate, but if you can pay it off quickly and don t want to use the bank, then go for it.What about a cash advance from your credit card? Same issue with high interest, but just another option.I am imagining that asking family or friends is out of the question.

How much profit does a small business make a year? -

a rough average of how much profit a small business makes e year

my business, i started about 6 months ago with about 6,000 from my credit card, and have already grossed $327,385... my expenses as a company are about $3,000 per month.some people, sink a few hundred thousand dollars into a business, and see a few thousand dollars per month, and have to keep sinking money into it until it kicks off...I HAPPENED to fall into the perfect business at the right place at the right time and it worked. honestly, my business PROBABLY won t be around for more than 3 or 4 years, but.. i ll have made a ****-ton from it in the mean time. 89% of businesses fail in the first year.. out of that 11% left, half of those fail in the second year... out of the 5.5% left, the only reason they succeed beyond that is because this was their 3rd or 4th or 5th business... 95% of businesses DO NOT make a profit AT ALL within the first 2 years. those are true statistics.. the only reason i told you about my case is to prove a point that i will now state...NO ONE can answer your question.... without knowing what the business is, where they are located, the factors that go INTO how they do business, the experience of the people within the business, and about 40 million other factors. this question can t be answered. it s almost like what s the average number of beans a fat guy can eat. how can you judge that? your answer is between $1 and $1 million billion given your parameters.

There is no answer to this as a small business covers a large group. A company that has 9 employees makes a million a year, is a small business. A company that has 2 employees and makes 50k a year is also a small business. A company that has 10 employees losses 30k a year is also a small business. Business are not considered small because of how much they make.

A small business just made a year - get outta here...

It may make a loss (or what s known as negative profit)

How start a Graphic Design Business? -

Does anyone know how to start a graphic design business? I am a self empolyed freelance graphic designer. What would I need to do to become a business? Thanks!

use this website to get more understanding of the businesshttp://desktoppub.about.com/od/startabusiness/Start_a_Desktop_Publishing_or_Graphic_Design_Business.htmand ya my brother does this business you better have good sum of funds to begin the business.http://desktoppub.about.com/c/ec/83.htmtry this source as well

I have a tutoring service but no clients how can i get clients? -

i offer library use tutoring...one on one tutoring with homework, sat, and adult literacy to. i have yet to get a client. what should i do?

First off, let me congratulate you on starting up a tutoring business. I��m so excited that you are pursing an interest in business. I��m so happy for you because of the strong passion I have for business and I know that one can become very financially stable if they work hard enough. I think that you are in a very lucrative market because everybody needs help with work. I hope that you and your business become very successful. To answer your question on how to get some clients for your tutoring service, you need to tell everyone that you know about this service you are providing. The reason why this step is very important is because word of mouth is the best form of advertisement. When people need help with homework, SAT or adult literacy they will think of you. The very next step you need to take would be to place flyers. The best place to place flyers would be in schools in your area or surrounding areas. In this flyers, you want to basically promote the service that you provide. Another place would be to place flyers at testing centers that are used for the SAT. I hope that you found this information very useful.

I recommend you advertise for FREE on your local Craigslist. To check with others are doing and follow in theior followsteps for bites and clients, simply do a wild card search and type TUTOR in the box entitled SEARCH CRAIGLIST in the far left hand column.Hope the Above Info Helps!

Suppose u r a Sub broker of ur City.....Then How will you approach ur Clients? -

Plz help.......give me the ideas to aaproch clients without media/publicity/ brokers.....

Client meetings have always formed the backbone a professional financial planners workday. It s undoubtedly the most important element that determines ones reputation and success, and the satisfaction of ones clientele. It doesn t matter how do you sound on the phone, how good your website is or what kind of marketing strategies do you employ, in the end, it all comes down to your skills during face-to-face communication.please follow the 9 main things for the best approach 1) Preparation2) Listen to the client 3) Be punctual 4) Grooming5) Dressing6) Take notes 7) Speak with energy 8) Ask for other means of contact 9) Schedule the second meeting on spot This makes things easier, faster and smoother.

send them regular feedbacks and other related information.

I own my home but might want to morgage ,due to husband having back surgury and are business is very slow .? -

what and where should we go to due this

Check the internet for rates. If you are more comfortable knowing your banker personally, go to the bank where you have a checking/savings account. Also check with local banks (versus national banks) as they frequently have better rates and lower fees than the big banks.Your ability to get the loan will be a function of:1 - your credit/FICO score,2- your income as a representation of ability to repay,3. your debt/equity ratio. This shows how much equity versus how much debt relative to the house.There are other details, but those three things drive the decision.Check out the following site for national trends on rates:http://www.bankrate.com/I have never received or applied for a loan through this site, but it has lots of useful information.

I need to copyright a name for a product i am trying to promote? -

Product names are usually trademarked, at least in the USA, although if it s determined to be non-trademarkable, you can fall back on copyrighting.Google US Patent and Trademark Office and US Copyright for more information.

I have been told you can do a poor mans patent but writing it down, put it in an envelope and mail it to yourself (you would have to drop it in a post office box cause they won t take it out your mailbox sometimes with the same address on it). Then it will be post marked with the date that you came up with it and all on the envelope. DON T OPEN IT. Supposedly the post mark is a legal stamp and if some one tried to steal it from you then you could go to court (or just to a lawyer) and show them the envelope and post mark and let them open it or open it in front of them so they can see your plan inside and that it was your as of that date, so if they claim to have come up with it after that it is supposed to hold up...You might want to look in to this though. A lot of lawyers do free consultations so you could ask one how to do it also.

Write to the library of congress or contact a lawyer that you can trust. I would suggest doing some homework for a lawyer. Do not choose the first one you talk to.hope this helps!

If the product is yours and its unique yes..