Tag: Yourself

Spanish Courses Online for self-study – Lengalia #spanish, #courses, #online, #learn, #yourself, #grammar, #beginners,

#

Spanish courses online

Advantages of Spanish Online Internet Courses

1. Education in your own home via internet
Another positive fact of the online courses is that you can learn either alone or with other people. This is also a good opportunity to practise and learn together with a partner. Also children can take advantage of the online courses; it’s a good example for them to see their parents studying and focused on their tasks.

2. Individual attention of the internet courses
This is definelty one of the biggest advantages of learning online since you can get direct answers from your tutor and you can make questions about anything you like. The autonomous in the learning process is one of the most important facts in the second language learning methodologies, and it is completly achieved throughout the online courses.

3. Online spanisch courses offer you many life-long skills
You will be able to include technical skills on your CV, due to the fact that online courses require e-mail and web browsing skills. Moreover, you will be able to get information in Spanish via the Internet easily. That will open up a world of possibilities not only for your professional career, but also for your personal life. You will be able to find and apply for jobs online, make future travel plans and everything related to it, purchase articles online, get in contact with people from all around the world, get information about your hobbies, etc.

Moreover, when you study something you are very interested in, you remember it for a long time and that enables you to develop skills to find information, to formulate answers or to clarify doubts you might have about it. This spark of interest and knowledge makes you aware of your own learning process.

4.Self-discipline in the spanisch online courses
At first sight one may think that online courses are only advisable for responsible and dedicated people. However, the key to success is precisely your ability to realize the importance of doing things on your own. Online students are concious about their individual learning process and their accomplishments are much more rewarding.

5.Spanish courses via Internet connect you to the world
A Spanish online course gives you a real insight of the language and its culture. The cultural awareness is also important when it comes to learn a language and it goes without saying that knowing another culture is essential to get to know the people and the country itself.

Toggle footer navigation





Tags : , , , , , , , ,

How to Finance Your Business Yourself #selling #business

#how to finance a business

#

How to Finance Your Business Yourself

In their book Start Your Own Business , the staff of Entrepreneur Media Inc. guides you through the critical steps to starting your business, then supports you in surviving the first three years as a business owner. In this edited excerpt, the authors discuss the options you have if you want to fund your startup yourself.

If you re thinking about trying to finance your business yourself, begin by doing a thorough inventory of your assets you re likely to uncover resources you didn t know you had. Assets include savings accounts, equity in real estate, retirement accounts, vehicles, recreational equipment, and collections. You may decide to sell some assets for cash or use them as collateral for a loan.

If you have investments, you may be able to use them as a resource. Low-interest-margin loans against stocks and securities can be arranged through your brokerage accounts.

The downside here is that if the market should fall and your securities are your loan collateral, you ll get a margin call from your broker, requesting you to supply more collateral. If you can t do that within a certain time, you ll be asked to sell some of your securities to shore up the collateral. Also take a look at your personal line of credit. Some businesses have successfully been started on credit cards, although this is one of the most expensive ways to finance yourself.

If you own a home, consider getting a home equity loan on the part of the mortgage that you ve already paid off. The bank will either provide a lump-sum loan payment or extend a line of credit based on the equity in your home. Depending on the value of your home, a home-equity loan could become a substantial line of credit. If you have $50,000 in equity, you could possibly set up a line of credit of up to $40,000. Home-equity loans carry relatively low interest rates, and all interest paid on a loan of up to $100,000 is tax-deductible. But be sure you can repay the loan you can lose your home if you do not.

You could also consider borrowing against cash-value life insurance. You can use the value built up in a cash-value life insurance policy as a ready source of cash. The interest rates are reasonable because the insurance companies always get their money back. You don t even have to make payments if you don t want to. Neither the amount you borrow nor the interest that accrues has to be repaid. The only loss is that if you die and the debt hasn t been repaid, that money is deducted from the amount your beneficiary will receive.

If you have a 401(k) retirement plan through your employer and are starting a part-time business while you keep your full-time job, consider borrowing against the plan. It s very common for such plans to allow you to borrow up to 50 percent of your vested account balance up to a maximum of $50,000. The interest rate is usually 1 to 2 percent above the prime rate with a specified repayment schedule. The downside of borrowing from your 401(k) is that if you lose your job, the loan has to be repaid in a short period of time often 60 days (but occasionally as long as six months) or it s taxed heavily, as if you ve taken an early withdrawal from the plan. Consult the plan s documentation to see if this is an option for you.

Another option is to use the funds in your individual retirement account (IRA). Within the laws governing IRAs, you can actually withdraw money from an IRA as long as you replace it within 60 days. This isn t a loan, so you don t pay interest. This is a withdrawal that you re allowed to keep for 60 days. It s possible for a highly organized entrepreneur to juggle funds among several IRAs. But if you re one day late for any reason you ll be hit with a 10 percent premature-withdrawal fee, and the money you haven t returned becomes taxable.

If you have a Roth IRA, you re entitled to withdrawals tax and penalty free, as long as the funds were in the account for at least five years. That s because a Roth is taxed at the time you put funds into the IRA account not when you retire and withdraw it. Consider switching your regular IRA to a Roth over a couple of years if you know you plan to finance a business this way. You ll have to pay the taxes in the year you make the conversion, but the money will then be free to withdraw when you need it, without the big penalties. Make the conversions well before you need the cash.

If you re employed, another way to finance your business is by squirreling away money from your current salary until you have enough to launch the business. If you don t want to wait, consider moonlighting or cutting your full-time job back to part time. This ensures you ll have some steady funds rolling in until your business starts to soar.

People generally have more assets than they realize. Use as much of your own money as possible to get started; remember, the larger your own investment, the easier it will be for you to acquire capital from other sources.





Tags : , , , , ,

How to Finance Your Business Yourself #business #acquisition #loans

#how to finance a business

#

How to Finance Your Business Yourself

In their book Start Your Own Business , the staff of Entrepreneur Media Inc. guides you through the critical steps to starting your business, then supports you in surviving the first three years as a business owner. In this edited excerpt, the authors discuss the options you have if you want to fund your startup yourself.

If you re thinking about trying to finance your business yourself, begin by doing a thorough inventory of your assets you re likely to uncover resources you didn t know you had. Assets include savings accounts, equity in real estate, retirement accounts, vehicles, recreational equipment, and collections. You may decide to sell some assets for cash or use them as collateral for a loan.

If you have investments, you may be able to use them as a resource. Low-interest-margin loans against stocks and securities can be arranged through your brokerage accounts.

The downside here is that if the market should fall and your securities are your loan collateral, you ll get a margin call from your broker, requesting you to supply more collateral. If you can t do that within a certain time, you ll be asked to sell some of your securities to shore up the collateral. Also take a look at your personal line of credit. Some businesses have successfully been started on credit cards, although this is one of the most expensive ways to finance yourself.

If you own a home, consider getting a home equity loan on the part of the mortgage that you ve already paid off. The bank will either provide a lump-sum loan payment or extend a line of credit based on the equity in your home. Depending on the value of your home, a home-equity loan could become a substantial line of credit. If you have $50,000 in equity, you could possibly set up a line of credit of up to $40,000. Home-equity loans carry relatively low interest rates, and all interest paid on a loan of up to $100,000 is tax-deductible. But be sure you can repay the loan you can lose your home if you do not.

You could also consider borrowing against cash-value life insurance. You can use the value built up in a cash-value life insurance policy as a ready source of cash. The interest rates are reasonable because the insurance companies always get their money back. You don t even have to make payments if you don t want to. Neither the amount you borrow nor the interest that accrues has to be repaid. The only loss is that if you die and the debt hasn t been repaid, that money is deducted from the amount your beneficiary will receive.

If you have a 401(k) retirement plan through your employer and are starting a part-time business while you keep your full-time job, consider borrowing against the plan. It s very common for such plans to allow you to borrow up to 50 percent of your vested account balance up to a maximum of $50,000. The interest rate is usually 1 to 2 percent above the prime rate with a specified repayment schedule. The downside of borrowing from your 401(k) is that if you lose your job, the loan has to be repaid in a short period of time often 60 days (but occasionally as long as six months) or it s taxed heavily, as if you ve taken an early withdrawal from the plan. Consult the plan s documentation to see if this is an option for you.

Another option is to use the funds in your individual retirement account (IRA). Within the laws governing IRAs, you can actually withdraw money from an IRA as long as you replace it within 60 days. This isn t a loan, so you don t pay interest. This is a withdrawal that you re allowed to keep for 60 days. It s possible for a highly organized entrepreneur to juggle funds among several IRAs. But if you re one day late for any reason you ll be hit with a 10 percent premature-withdrawal fee, and the money you haven t returned becomes taxable.

If you have a Roth IRA, you re entitled to withdrawals tax and penalty free, as long as the funds were in the account for at least five years. That s because a Roth is taxed at the time you put funds into the IRA account not when you retire and withdraw it. Consider switching your regular IRA to a Roth over a couple of years if you know you plan to finance a business this way. You ll have to pay the taxes in the year you make the conversion, but the money will then be free to withdraw when you need it, without the big penalties. Make the conversions well before you need the cash.

If you re employed, another way to finance your business is by squirreling away money from your current salary until you have enough to launch the business. If you don t want to wait, consider moonlighting or cutting your full-time job back to part time. This ensures you ll have some steady funds rolling in until your business starts to soar.

People generally have more assets than they realize. Use as much of your own money as possible to get started; remember, the larger your own investment, the easier it will be for you to acquire capital from other sources.





Tags : , , , , ,

What s the Best Value Home Security System with Monitoring? #best #home #security #system,best

#

Best Home Security Systems with Monitoring Services

Security System Reviews

Each year we review over 100 companies. That s right over 100 companies! We look at 14 different aspects of each home security company like price, equipment, warranty and more then rank them. Below are the top 5 home security companies. If you would like to view the entire list, click on the Top 100 home security companies in the menu above. While there are many companies out there, only a select few offer an excellent value of technology, service and equipment. The rankings and ratings expressed on this site are the opinion of our own and are subject to change. To keep this valuable service free, we generate advertising revenue from the companies featured in our rankings.

1st Place Protect America

  • Free Equipment
  • A BBB Rating
  • Intrusion/Fire/CO2

Our Thoughts on Protect America

If you want the best value in home security, then look no further than Protect America. Protect America has pioneered the wireless home security system and self-installation model. They have been in business for over 20 years and are a favorite among consumers who are interested in protecting their home against intruders, fire and dangerous levels of carbon monoxide within budget.

The biggest advantage of going with Protect America is that you can choose the type of monitoring as well as customize the equipment with each package they offer. They will allow you to replace a motion sensor for another type of sensor if it makes sense to better protect your home with a different sensor. They have one of the widest range of home security plans in the market and all of their plans come with free equipment.

Protect America offers a wireless security system with a DIY installation model at the most affordable prices. They have a very competitive cellular offering and they use a company called Criticom for their central monitoring station. One of the advantages of Protect America is that they price match any competitive offer. If you are interested in learning more about Protect America give them a call at (888) 305-0285.

2nd Place Frontpoint

  • 100% Cellular
  • Equipment Warranty
  • Intrusion/Fire/CO2

Our Thoughts on Frontpoint

Frontpoint offers an easy do-it-yourself installation of their 100% cellular systems that takes less than 1 hour to install. Check out our Frontpoint review page to see us go through an actual install. If you need a professional installation, they can do this too, however it s so simple that you won t need too. Their home security systems are 100% wireless so they are perfect for both homeowners and renters alike.

Frontpoint s security systems are monitored by Rapid Response and they provide Interactive services through Alarm.com They ve won multiple awards for their customer service and it s hard to find a single negative review of them. After speaking with customers and researching reviews about Frontpoint you can t find a more reliable and customer friendly company. Their monitoring plans are extremely competitive and they offer a 30-day money back guarantee. Not many other companies in the industry offer a 30-day risk free trial period.

3rd Place LifeShield Security

  • DIY Installation
  • Intrusion/Fire/CO2
  • Mobile/Web Remote Control

Our Thoughts on LifeShield

LifeShield Security is accredited with the Better Business Bureau and they carry and B- rating. This is good but still not as good as an A+ rating like Frontpoint and ADT carry. LifeShield offers cellular wireless home security systems. They have proprietary equipment that includes multiple devices that can signal their central monitoring station in case one of the units is damaged by a burglar. They also have a unique fire protection alert that listens for the sound of a smoke detector going off in the home and sends an alert to the central monitoring station. They have over 20 patents in the home security industry for their equipment and monitoring technology. Since they are not accredited with the BBB and the fact they have proprietary equipment they came in 4th place.

4th Place Vivint

Visit Our #1 Pick

  • Professional Installation
  • Equipment Warranty
  • Intrusion/Fire/CO2

Our Thoughts on Vivint

Vivint is the high-end of home security and home automation and they do an excellent job at incorporating them both into a single solution. Vivint s smartly designed systems control your lighting, HVAC, appliances, video and home security. They have a mobile application where you can adjust the environment of your home. They also use high quality equipment from 2GIG and Honeywell with touchscreen control panels. Similar to ADT, Vivint offers a professional installation only. Vivint has a solid offering but at a higher price point we felt it was too much plus their BBB rating isn t quite as good as the others.

Home Security Company Comparisons





Tags : , , , , , , , , , , , , , , , , , , , , , , , ,

7 Ways To Protect Yourself From ID Theft #protect #yourself #against #identity #theft

#

7 ways to protect yourself from ID theft

Identity theft is everywhere. Turn on your TV, and you’ll see “special reports” on how to prevent it. Turn on the radio, and hear ads for services pledging to protect you from it. Search for it on Google, and you get 140 million results. In fact, according to a 2013 report by Javelin Research, there is one incident of identity fraud every three seconds.

The Javelin report also shows that the number of identity fraud incidents increased by 1 million consumers in the past year and the dollar amount stolen increased to $21 billion.

Fortunately, there are some easy ways to lower your risk of becoming another ID theft victim.

How to protect yourself against ID theft

  1. Don’t over-share on social networking websites
  2. Maintain anti-virus and anti-malware software
  3. Handle financial documents with care
  4. Create strong passwords
  5. Be careful with unsecured Wi-Fi
  6. Don’t be reeled in by phishing scams
  7. Monitor credit and bank accounts closely

1. Don’t over-share on social networking websites

Thanks to social networking sites such as Facebook and LinkedIn, people are now putting unprecedented levels of personal information online, and many aren’t doing enough to keep it away from would-be criminals. A 2011 Javelin report found longtime social networking users were almost twice as likely as those newer to social networking to become victims of ID theft.

“The Internet has turned into this place where the less-educated consumer will willingly give up information in places where they just shouldn’t,” says Sean Brady, director in the identity management protection group for RSA, an information security firm based in Bedford, Mass.

The good news is you can protect yourself, Brady says. He recommends setting your privacy settings at the highest level and not sharing facts like your exact birth date, including the year, or information that could be used to answer your security questions such as your mother’s maiden name.

Ultimately, Brady says social media users will have to decide how much information they’re willing to disclose and weigh it against the benefits of social networking.

2. Maintain anti-virus and anti-malware software

Increasingly, identity thieves are using viruses and harmful programs known as malware to steal Americans’ financial information, says Michael McKeown, supervisory special agent, FBI Cyber Division.

These programs can enter your personal computer in several different ways, the most common being email with links or attachments that when clicked on, install malware on your machine. From there, they can record keystrokes to mine passwords, hijack online banking sessions and probe your PC for financial information.

Beside keeping anti-virus and anti-malware software up to date, another way to prevent yourself from being hurt by malware is to keep the financial information on your PC limited, Brady says. He advises consumers to decline every time you’re asked to save your password when you’re logging on to a financial site.

“Malware these days, that’s one of the first areas that it goes to, the location where all that’s kept,” Brady says.

3. Handle financial documents with care

Physical documents aren’t as much of a threat as they once were, simply because stealing them from a mailbox or the trash can be dangerous work for thieves, Brady says. Still, the key to minimizing the risk is storing needed documents carefully and destroying the ones you don’t need.

“A shredder is your friend,” says Steven Toporoff, attorney with the Federal Trade Commission’s Division of Privacy and Identity Protection.

Certain documents need to be retained for tax and other purposes. “Short of that, you should be shredding documents regularly that you no longer need, especially those that have any kind of account number or identifying information,” Toporoff says.

Also, shred any kind of financial solicitations you get in the mail, especially those credit card offers containing blank checks.

4. Create strong passwords

In a world where online banking is increasingly ubiquitous and access to large chunks of your net worth is just a username and password away, having a strong password is important.

That’s because once thieves have zeroed in on your email address or account username, they’ll often try to guess your password, either manually or using a computer program to try thousands of passwords until they find the correct one.

To keep from becoming a victim of ID theft, stay away from obvious passwords. “‘12345’ is just not a good password,” Brady says. “Everybody has passwords that he can remember — mnemonics or very personal things that are better passwords that aren’t publicly known.”

Incorporate spaces, special characters, and lowercase and uppercase letters. “Whatever your password is, (it) should not be a word that’s found in the dictionary,” he says.

McKeown says using multiple passwords also can limit the damage a thief can do, especially for your online banking accounts.

5. Be careful with unsecured Wi-Fi

It may be convenient to do online banking at a cafe or to keep your home Wi-Fi network unsecured to avoid typing a password, but criminals have become increasingly adept at intercepting unsecured Wi-Fi communications, Toporoff says.

“You don’t want to do banking or to look up your financial accounts in a Wi-Fi situation where it’s not secure,” he says. “Others who are sitting there with you on the same network conceivably can get access to your information.”

To protect yourself, Toporoff recommends putting a password on your home Wi-Fi network and waiting until you get home or to another secured network to make financial transactions.

6. Don’t be reeled in by phishing scams

Phishing, or the practice of sending out fraudulent emails soliciting financial information or getting users to click on virus-laden links or attachments, is a growing identity theft threat, RSA’s Brady says.

That’s because phishing emails have grown increasingly convincing, thanks to growing information available to thieves about you to make the emails more persuasive. Brady says consumers are seeing emails, referring to them by name and containing their address, friends and family names or their job stolen from social networking sites and data breaches, known as “spear phishing.”

Brady cites one example of spear phishing as the 2011 data breach at Dallas-based marketing firm Epsilon, where thieves accessed millions of Americans’ email addresses and names.

“That gave the ability. to send personalized emails that have a greater chance of success,” he says.

To avoid becoming a victim, read emails carefully before clicking on links or attachments, especially if an email comes from out of the blue or asks for personal or financial information, Toporoff says.

Instead of clicking on such links, Toporoff recommends contacting the company directly, using contact information you know to be accurate.

7. Monitor credit and bank accounts closely

Checking your credit card and debit card statements online on a daily basis is a good way to limit the damage that fraudsters can do to your accounts, McKeown says.

That’s especially true now. You may remember those ID theft commercials with a male actor talking in a dubbed female voice about the fraudulent purchase of a pricey $1,500 bustier, but many thieves are actually smarter than that these days, McKeown says. Instead of making a big, obvious purchase likely to trigger a fraud alert, thieves will charge small amounts under $20, hoping to remain undetected and keep the card number active as long as possible.

To be sure, ID thieves don’t limit themselves to existing accounts. Javelin’s 2011 study found that although it’s less common, when thieves are able to establish new accounts in a victim’s name, the average loss per incident is a whopping $7,350 compared to just $4,197 for fraud committed using existing accounts. The report says new-account fraud is harder to detect.

To avoid being a victim of new-account fraud, get regular, free credit reports from myBankrate. Using this strategy will help you identify any new, unauthorized accounts that have been opened in your name.

Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

Bankrate’s community sharing policy

Bankrate wants to hear from you and encourages thoughtful and constructive comments. We ask that you stay focused on the story topic, respect other people’s opinions, and avoid profanity, offensive statements, illegal contents and advertisement posts. Comments are not reviewed before they are posted. Bankrate reserves the right (but is not obligated) to edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. We do not permit the inclusion of hyperlinks in comments and may remove any comment that includes a hyperlink.

By submitting a post, you agree to be bound by Bankrate’s terms of use. Please refer to Bankrate’s privacy policy for more information regarding Bankrate’s privacy practices.





Tags : , , , ,

Orlando Divorce Without a Lawyer – Paralegal – Cheap, DIY – Uncontested Divorce Document

#

Divorce Filing and Divorce Help in Orlando FL

For Over 23 Years, I ve Been Helping Many Clients With Their Divorce Documents as a Paralegal in Orlando.

Why Choose Us For Divorce Help?

* Free phone consultation to discuss steps and fees to get a low cost divorce

* Professional, licensed and highly experienced (thousands of clients – really!) paralegal centrally located in Orlando.

* We see clients by appointment only and offer same day appointments.

* If you are unable to come into our office, we can schedule a phone conference to start your divorce forms.

* We use Florida Supreme Court Forms to process your case quickly and accurately. The use of Florida specific forms allows us to assist individuals throughout Florida.

* You make the decisions (no pushy divorce lawyers telling you what to do!) and we will prepare the paperwork properly and under your direction.

* Many counties have additional requirements which are not mandated by Florida statutes or Florida Supreme Court rules, no worries as we contact every county and are in compliance with their local rules.

About Accurate Noel Services in Orlando

  • C entrally located in O rlando
  • Provide self-help legal services and assistance completing legal forms and filing income tax returns.
  • Over 23 years experience
  • Average Reviewer Rating of 4.8 out of 5 Stars
  • Average savings of 75%-80% over hiring an attorney – same quality!
  • Emergency / quick appointments and super fast turnaround times available!
  • Most of our clients are in the greater Orlando area but we service clients throughout the State of Florida. With over 23 years of experience
  • Credit cards accepted.

Dissolution of Marriage Procedure

We realize that filing a Dissolution of Marriage (Divorce) can be a difficult decision. We are not attorneys being paid by the hour; we charge a flat rate affordable fee. You will speak to a friendly, caring and knowledgeable case manager who will assist you with your needs. As we are not attorneys, if you require legal advice or need to know your rights, we suggest you consult with an attorney prior to starting a case with us.

STEP 1 On your initial visit or scheduled phone conference, you will provide us with the information we need to type your Divorce papers. Our fee will be paid at that time. ($250.00 without children or property) and ($450.00 with a child) and the cost of a mandatory parenting class which can be taken online costing approximately $20.00 each. Next we will schedule a follow-up appointment 5 to 10 days later depending on the complexity of your case.

STEP 2 At the second appointment, you will review the accuracy of the forms and we will make necessary changes. Your signature will then be required and we will notarize your documents free of charge. You may bring your spouse in to sign the papers at the same time or they may make an appointment to sign separately. In the event that your spouse does not agree to sign the papers in our office you do have 3 other options: 1) You can mail the papers to your spouse. They must sign their papers with a notary and return them to you to be filed in the court; or 2) File your papers in the Court first and then have the Clerk of Court forward your papers to the Sheriff to serve the papers on your spouse (additional fee, depending on where your spouse lives); or use a private process server to do the same; or 3) If you have honestly tried all means to locate your spouse and cannot locate them, the court requires a search and a publication in a local newspaper, a consultation with an attorney may be appropriate but is not required.

STEP 3 File your papers DIRECTLY with the Court along with the filing fee of $408.00. You may ask the court if you qualify to have the court costs waived! Please be aware that we will type all forms contained in the divorce packet that you request, however, the court, NOT US, will set your case for a final hearing to dissolve your marriage.

Accurate Noel Services will assist you with all your Florida divorce document needs. We DO NOT give legal advice and CANNOT represent you in court. We are form-preparers, also known as non-lawyers. We CAN only provide you with information and assist with document preparation. It s a great option over pure Do It Yourself (DIY) because if you make a mistake, it can stall your case for many months. If we are unable to help you, we do our best to refer you to an attorney who can process your case.

WHAT TO DO NOW
Simply call us at (407) 599-0088 now or fill out the form in the upper right of this page to schedule your free consultation to discuss an affordable, fast solution to your divorce situation.





Tags : , , , , , , , , , , , , , , , , , , ,

Graffiti Removal Services in South Africa – Expert Graffiti Cleaners of Graffiti Walls #graffiti

#

Welcome to Graffiti Removal Services G.R.S. We trust you will find our site useful and informative in preventing and combating unsightly Graffiti. Please feel free to contact us for advice on Graffiti or high-pressure washing related assistance.

Recently South Africa has witnessed a substantial increase in building and fixture vandalism also known as Graffiti tagging . Unfortunately, Graffiti is often offensive or of a racial nature. Furthermore, unsightly Graffiti decreases property and area values, negatively impacts on retail sales and in some instances, may even encourage petty crime.

As such, we have established Graffiti Removal Services. As a company, we specialise in the removal of unsightly Graffiti caused by individuals also known as taggers who mainly use spray paint or paint to vandalise public and private properties, buildings, signage, fixtures and road signs.

At G.R.S we strive to provide an effective long-term solution to Graffiti vandalism, offering a dedicated service and operating with integrity at all times. We have been registered on municipal databases as a supplier offering Graffiti removal products and services. In addition, we have done numerous Graffiti removals for corporate companies, shopping centres, schools, residential and business complexes.

G.R.S uses products from the most advanced patented water-based technology in the world. This ensures that the products are user-friendly, biodegradable, extremely safe to work with and furthermore guarantees effective Graffiti removal processes with desired results. We are the sole suppliers in South Africa of this combination of unique Graffiti removal products and services.

Our cities, properties and recreational areas have been vandalised for too long. It is time we take action and restore them to their original Graffiti-free condition.





Tags : , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,

How to Finance Your Business Yourself #business #administration #degree

#how to finance a business

#

How to Finance Your Business Yourself

In their book Start Your Own Business , the staff of Entrepreneur Media Inc. guides you through the critical steps to starting your business, then supports you in surviving the first three years as a business owner. In this edited excerpt, the authors discuss the options you have if you want to fund your startup yourself.

If you re thinking about trying to finance your business yourself, begin by doing a thorough inventory of your assets you re likely to uncover resources you didn t know you had. Assets include savings accounts, equity in real estate, retirement accounts, vehicles, recreational equipment, and collections. You may decide to sell some assets for cash or use them as collateral for a loan.

If you have investments, you may be able to use them as a resource. Low-interest-margin loans against stocks and securities can be arranged through your brokerage accounts.

The downside here is that if the market should fall and your securities are your loan collateral, you ll get a margin call from your broker, requesting you to supply more collateral. If you can t do that within a certain time, you ll be asked to sell some of your securities to shore up the collateral. Also take a look at your personal line of credit. Some businesses have successfully been started on credit cards, although this is one of the most expensive ways to finance yourself.

If you own a home, consider getting a home equity loan on the part of the mortgage that you ve already paid off. The bank will either provide a lump-sum loan payment or extend a line of credit based on the equity in your home. Depending on the value of your home, a home-equity loan could become a substantial line of credit. If you have $50,000 in equity, you could possibly set up a line of credit of up to $40,000. Home-equity loans carry relatively low interest rates, and all interest paid on a loan of up to $100,000 is tax-deductible. But be sure you can repay the loan you can lose your home if you do not.

You could also consider borrowing against cash-value life insurance. You can use the value built up in a cash-value life insurance policy as a ready source of cash. The interest rates are reasonable because the insurance companies always get their money back. You don t even have to make payments if you don t want to. Neither the amount you borrow nor the interest that accrues has to be repaid. The only loss is that if you die and the debt hasn t been repaid, that money is deducted from the amount your beneficiary will receive.

If you have a 401(k) retirement plan through your employer and are starting a part-time business while you keep your full-time job, consider borrowing against the plan. It s very common for such plans to allow you to borrow up to 50 percent of your vested account balance up to a maximum of $50,000. The interest rate is usually 1 to 2 percent above the prime rate with a specified repayment schedule. The downside of borrowing from your 401(k) is that if you lose your job, the loan has to be repaid in a short period of time often 60 days (but occasionally as long as six months) or it s taxed heavily, as if you ve taken an early withdrawal from the plan. Consult the plan s documentation to see if this is an option for you.

Another option is to use the funds in your individual retirement account (IRA). Within the laws governing IRAs, you can actually withdraw money from an IRA as long as you replace it within 60 days. This isn t a loan, so you don t pay interest. This is a withdrawal that you re allowed to keep for 60 days. It s possible for a highly organized entrepreneur to juggle funds among several IRAs. But if you re one day late for any reason you ll be hit with a 10 percent premature-withdrawal fee, and the money you haven t returned becomes taxable.

If you have a Roth IRA, you re entitled to withdrawals tax and penalty free, as long as the funds were in the account for at least five years. That s because a Roth is taxed at the time you put funds into the IRA account not when you retire and withdraw it. Consider switching your regular IRA to a Roth over a couple of years if you know you plan to finance a business this way. You ll have to pay the taxes in the year you make the conversion, but the money will then be free to withdraw when you need it, without the big penalties. Make the conversions well before you need the cash.

If you re employed, another way to finance your business is by squirreling away money from your current salary until you have enough to launch the business. If you don t want to wait, consider moonlighting or cutting your full-time job back to part time. This ensures you ll have some steady funds rolling in until your business starts to soar.

People generally have more assets than they realize. Use as much of your own money as possible to get started; remember, the larger your own investment, the easier it will be for you to acquire capital from other sources.





Tags : , , , , ,

How to Finance Your Business Yourself #business #phones

#how to finance a business

#

How to Finance Your Business Yourself

In their book Start Your Own Business , the staff of Entrepreneur Media Inc. guides you through the critical steps to starting your business, then supports you in surviving the first three years as a business owner. In this edited excerpt, the authors discuss the options you have if you want to fund your startup yourself.

If you re thinking about trying to finance your business yourself, begin by doing a thorough inventory of your assets you re likely to uncover resources you didn t know you had. Assets include savings accounts, equity in real estate, retirement accounts, vehicles, recreational equipment, and collections. You may decide to sell some assets for cash or use them as collateral for a loan.

If you have investments, you may be able to use them as a resource. Low-interest-margin loans against stocks and securities can be arranged through your brokerage accounts.

The downside here is that if the market should fall and your securities are your loan collateral, you ll get a margin call from your broker, requesting you to supply more collateral. If you can t do that within a certain time, you ll be asked to sell some of your securities to shore up the collateral. Also take a look at your personal line of credit. Some businesses have successfully been started on credit cards, although this is one of the most expensive ways to finance yourself.

If you own a home, consider getting a home equity loan on the part of the mortgage that you ve already paid off. The bank will either provide a lump-sum loan payment or extend a line of credit based on the equity in your home. Depending on the value of your home, a home-equity loan could become a substantial line of credit. If you have $50,000 in equity, you could possibly set up a line of credit of up to $40,000. Home-equity loans carry relatively low interest rates, and all interest paid on a loan of up to $100,000 is tax-deductible. But be sure you can repay the loan you can lose your home if you do not.

You could also consider borrowing against cash-value life insurance. You can use the value built up in a cash-value life insurance policy as a ready source of cash. The interest rates are reasonable because the insurance companies always get their money back. You don t even have to make payments if you don t want to. Neither the amount you borrow nor the interest that accrues has to be repaid. The only loss is that if you die and the debt hasn t been repaid, that money is deducted from the amount your beneficiary will receive.

If you have a 401(k) retirement plan through your employer and are starting a part-time business while you keep your full-time job, consider borrowing against the plan. It s very common for such plans to allow you to borrow up to 50 percent of your vested account balance up to a maximum of $50,000. The interest rate is usually 1 to 2 percent above the prime rate with a specified repayment schedule. The downside of borrowing from your 401(k) is that if you lose your job, the loan has to be repaid in a short period of time often 60 days (but occasionally as long as six months) or it s taxed heavily, as if you ve taken an early withdrawal from the plan. Consult the plan s documentation to see if this is an option for you.

Another option is to use the funds in your individual retirement account (IRA). Within the laws governing IRAs, you can actually withdraw money from an IRA as long as you replace it within 60 days. This isn t a loan, so you don t pay interest. This is a withdrawal that you re allowed to keep for 60 days. It s possible for a highly organized entrepreneur to juggle funds among several IRAs. But if you re one day late for any reason you ll be hit with a 10 percent premature-withdrawal fee, and the money you haven t returned becomes taxable.

If you have a Roth IRA, you re entitled to withdrawals tax and penalty free, as long as the funds were in the account for at least five years. That s because a Roth is taxed at the time you put funds into the IRA account not when you retire and withdraw it. Consider switching your regular IRA to a Roth over a couple of years if you know you plan to finance a business this way. You ll have to pay the taxes in the year you make the conversion, but the money will then be free to withdraw when you need it, without the big penalties. Make the conversions well before you need the cash.

If you re employed, another way to finance your business is by squirreling away money from your current salary until you have enough to launch the business. If you don t want to wait, consider moonlighting or cutting your full-time job back to part time. This ensures you ll have some steady funds rolling in until your business starts to soar.

People generally have more assets than they realize. Use as much of your own money as possible to get started; remember, the larger your own investment, the easier it will be for you to acquire capital from other sources.





Tags : , , , , ,