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	<title>Cheap Used Cars &#187; small business owners</title>
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	<description>Info  and News on Used Cars, Automotive Industry, Price Guide and Loans</description>
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		<title>Online, Round, Die Cut, Motorcycle And Cheap Vinyl Stickers Are Cutthroat Stickers</title>
		<link>http://colorfulmoney.com/online-round-die-cut-motorcycle-and-cheap-vinyl-stickers-are-cutthroat-stickers/</link>
		<comments>http://colorfulmoney.com/online-round-die-cut-motorcycle-and-cheap-vinyl-stickers-are-cutthroat-stickers/#comments</comments>
		<pubDate>Sun, 21 Nov 2010 01:17:03 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Dealing with Sellers]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[business identity development]]></category>
		<category><![CDATA[Cheap]]></category>
		<category><![CDATA[Color]]></category>
		<category><![CDATA[color cmyk]]></category>
		<category><![CDATA[Company]]></category>
		<category><![CDATA[custom]]></category>
		<category><![CDATA[custom vinyl stickers]]></category>
		<category><![CDATA[Cutthroat]]></category>
		<category><![CDATA[development purpose]]></category>
		<category><![CDATA[funny card]]></category>
		<category><![CDATA[graphic design tools]]></category>
		<category><![CDATA[identity]]></category>
		<category><![CDATA[Market]]></category>
		<category><![CDATA[Motorcycle]]></category>
		<category><![CDATA[online]]></category>
		<category><![CDATA[printing]]></category>
		<category><![CDATA[professional graphic design]]></category>
		<category><![CDATA[professional type]]></category>
		<category><![CDATA[Round]]></category>
		<category><![CDATA[self adhesive stickers]]></category>
		<category><![CDATA[small business owners]]></category>
		<category><![CDATA[sports companies]]></category>
		<category><![CDATA[sports industries]]></category>
		<category><![CDATA[sticker]]></category>
		<category><![CDATA[Stickers]]></category>
		<category><![CDATA[Vinyl]]></category>
		<category><![CDATA[vinyl bumper stickers]]></category>
		<category><![CDATA[vinyl sticker]]></category>
		<category><![CDATA[vinyl stock]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/online-round-die-cut-motorcycle-and-cheap-vinyl-stickers-are-cutthroat-stickers/</guid>
		<description><![CDATA[Firstly online vinyl stickers are cutthroat products in a way to increase your business identity in the market drastically. Vinyl stickers are gummy and self adhesive stickers just because of their vinyl stock. They are unique, stylish, elastic, and glimmering stickers. Online vinyl stickers are by and large consisted of many exemplary styles and designs [...]]]></description>
			<content:encoded><![CDATA[<p>Firstly online vinyl stickers are cutthroat products in a way to increase your business identity in the market drastically. Vinyl stickers are gummy and self adhesive stickers just because of their vinyl stock. They are unique, stylish, elastic, and glimmering stickers. Online vinyl stickers are by and large consisted of many exemplary styles and designs such as online vinyl bumper stickers, online vinyl funny card stickers, etc. catching your eyes beyond the imagination.</p>
<p> Online custom vinyl stickers are usually designed by professional graphic design tools and softwares while they are manufactured by full color CMYK printing process. One thing is sure about online vinyl stickers that they are self adhesive stickers than any other stickers at all. Company offers cheap online vinyl stickers printing to its valued customers internationally.</p>
<p> Second most popular type of vinyl sticker is characteristically known as round vinyl sticker which always comes in unique styles and designs in the worldwide market at a bargain price. With the help of round vinyl stickers, small business owners can immediately boost up their sales and returns on a permanent basis. Online printing company makes available discounted round vinyl stickers printing service to its most valuable customers all around the globe.</p>
<p> Third most professional type of online vinyl sticker is typically known as die cut vinyl sticker which has become extremely popular among the kids and young adults in most recent times. Again die cut vinyl stickers make a huge impact on your sales and returns permanently. Company provides full color die cut vinyl stickers printing to its valued customers all around the world.</p>
<p> Fourth most trendy kind of sticker is called as motorcycle vinyl sticker which is very popular among the sports industries in most recent times. Currently a wide range of sports companies are making use of motorcycle vinyl stickers for their business identity development purpose internationally. Online vinyl sticker printing company offers custom size vinyl stickers printing service to its valued customers globally. </p>
<p> Then if you want to know about most contemptible stickers, it is none other than cheap vinyl stickers. Indeed cheap vinyl stickers can be used at bulk quantity and can make a big impact on your business sales as well as returns long lastingly. Online sticker printing company offers customized vinyl stickers printing to its valued customers worldwide along with free unlimited design revisions, free lamination and free shipment. </p>
<p> Besides, there are many other types of vinyl stickers available out there cheaply such as bumper vinyl stickers, religious vinyl stickers, political vinyl stickers, full color vinyl stickers, personalized vinyl stickers, car vinyl stickers, and so on. So if you need any assistance regarding vinyl stickers, then vinyl sticker printing company can surely do your job in style.</p>
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<div class="author-signature"><img src="http://www.sooperarticles.com/author-photos/thumbs/photo-1552-jeff_risk.jpg" alt="Jeff Risk Photo" /><strong>About Author</strong> <br /><a rel="nofollow" href="http://www.idsketch.com/stickers-printing.asp">stickers printing</a> | <a rel="nofollow" href="http://www.idsketch.com/stickers-printing.asp">vinyl wall stickers</a>| <a rel="nofollow" href="http://www.idsketch.com/custom-stickers.asp">custom stickers</a></div>
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		<title>Study: Car Leasing Easier On The Pocket Than Buying</title>
		<link>http://colorfulmoney.com/study-car-leasing-easier-on-the-pocket-than-buying/</link>
		<comments>http://colorfulmoney.com/study-car-leasing-easier-on-the-pocket-than-buying/#comments</comments>
		<pubDate>Wed, 06 Oct 2010 17:20:07 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Used Car Price]]></category>
		<category><![CDATA[AHN]]></category>
		<category><![CDATA[bmw 3 series]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Buying]]></category>
		<category><![CDATA[Car]]></category>
		<category><![CDATA[co founder]]></category>
		<category><![CDATA[comparison]]></category>
		<category><![CDATA[Easier]]></category>
		<category><![CDATA[England]]></category>
		<category><![CDATA[finance option]]></category>
		<category><![CDATA[FinanceAcar]]></category>
		<category><![CDATA[fleet operators]]></category>
		<category><![CDATA[Leasing]]></category>
		<category><![CDATA[loan rate]]></category>
		<category><![CDATA[London]]></category>
		<category><![CDATA[london england]]></category>
		<category><![CDATA[Mark Peatey]]></category>
		<category><![CDATA[million cars]]></category>
		<category><![CDATA[new cars]]></category>
		<category><![CDATA[news]]></category>
		<category><![CDATA[news staff]]></category>
		<category><![CDATA[older models]]></category>
		<category><![CDATA[option]]></category>
		<category><![CDATA[percent]]></category>
		<category><![CDATA[personal trips]]></category>
		<category><![CDATA[Pocket]]></category>
		<category><![CDATA[price]]></category>
		<category><![CDATA[small business owners]]></category>
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		<category><![CDATA[Study]]></category>
		<category><![CDATA[Than]]></category>
		<category><![CDATA[two million]]></category>
		<category><![CDATA[U.S.]]></category>
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		<guid isPermaLink="false">http://colorfulmoney.com/study-car-leasing-easier-on-the-pocket-than-buying/</guid>
		<description><![CDATA[AHN News Staff London, England, United Kingdom (AHN) &#8211; A price comparison site advised small business owners to lease instead of buy new cars to cut costs. But the advice is primarily for those who trade in their older models for new units every four or five years. According to FinanceAcar.co.uk&#8217;s comparison, it would cost [...]]]></description>
			<content:encoded><![CDATA[
<div>AHN News Staff</div>
<p>London, England, United Kingdom (AHN) &#8211; A price comparison site advised small business owners to lease instead of buy new cars to cut costs. But the advice is primarily for those who trade in their older models for new units every four or five years.</p>
<p> According to FinanceAcar.co.uk&#8217;s comparison, it would cost $210 (140 pounds) a month less to lease a BMW 3-Series on a four-year term compared to purchase a Ford compact at a 9.9 percent loan rate over four years.</p>
<p> The website pointed out business owners avoid paying value added tax on leased cars used only for work, while vehicles that are also used for personal trips get only a 50 percent cut in their VAT.</p>
<p> Mark Peatey, co-founder of FinanceAcar, stressed leasing is not for everyone. It would only work for those who change their car every four or five years, but buying a car is still the better option for those who want to drive the same unit for 10 to 15 years.</p>
<p> The website added it is impossible to pinpoint a finance option as better than others because the better choice is dependent on the circumstances of each case and type of leave available.</p>
<p> About two million cars are sold yearly in the U.S., 50 percent of these are purchased by individuals, 40 percent by fleet operators and 10 percent by businesses.</p>
<div>
                            Article &#169; AHN &#8211; All Rights Reserved
                        </div>
<p>View full post on <a rel="nofollow" href="http://www.feedsyndicate.com/articles/7020126583">All Stories</a></p>
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		<title>Getting A Loan For Your  Business</title>
		<link>http://colorfulmoney.com/getting-a-loan-for-your-business/</link>
		<comments>http://colorfulmoney.com/getting-a-loan-for-your-business/#comments</comments>
		<pubDate>Fri, 07 May 2010 06:44:41 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[association]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[business degree]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[capital]]></category>
		<category><![CDATA[Company]]></category>
		<category><![CDATA[course]]></category>
		<category><![CDATA[Franchise]]></category>
		<category><![CDATA[franchise company]]></category>
		<category><![CDATA[Getting]]></category>
		<category><![CDATA[getting a loan]]></category>
		<category><![CDATA[good chance]]></category>
		<category><![CDATA[government program]]></category>
		<category><![CDATA[lending institutions]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[loan programs]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[SBA]]></category>
		<category><![CDATA[small business association]]></category>
		<category><![CDATA[small business owners]]></category>
		<category><![CDATA[smart business plan]]></category>
		<category><![CDATA[special loan]]></category>
		<category><![CDATA[start]]></category>
		<category><![CDATA[start up capital]]></category>
		<category><![CDATA[sure thing]]></category>
		<category><![CDATA[thing]]></category>
		<category><![CDATA[young entrepreneurs]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/getting-a-loan-for-your-business/</guid>
		<description><![CDATA[If you are looking to get started in the small business world, chances are you will need some outside start up capital. Few, if any, small business owners got their start up money out of their own pocket. Fortunately, there are a plethora of available avenues for you to secure some funds to get your [...]]]></description>
			<content:encoded><![CDATA[<p>If you are looking to get started in the small business world, chances are you will need some outside start up capital. Few, if any, small business owners got their start up money out of their own pocket. Fortunately, there are a plethora of available avenues for you to secure some funds to get your small business off the ground. Of course, to get these loans you will have to show a business plan indicating you know what you are doing and have a good chance of turning a profit within a recognizable time frame.</p>
<p>&#13;<br />
Neither banks nor the small business association nor outside investors are looking to simply give their money away. They will want to see a verifiable return on their investment. Of course, no business is a sure thing but you will want to make it seem like yours is. If you have a smart business plan, some collateral to put up and a business degree, getting a loan should be possible. Here are some of the available outlets for procuring that all important capital. </p>
<p>&#13;<br />
First of all, if you are looking to buy into a franchise, you will want to look in a different area than you would if you were starting your business from scratch. There are franchise financing plans and these are often times provided by the franchise company itself. For instance, if you want to open up a McDonalds, you will want to research the company to see if they offer plans for paying off your franchise loan.</p>
<p>&#13;<br />
These plans are often cheaper, better and easier to procure than loans from an outside source. If the franchise company you are buying into has no such program, see if your local lending institutions offer special loan programs for those looking to start a <br />&#13;<br />
franchise. If franchising is not your thing, you will want to look at the available loans to start up small businesses. One of the first places you will want to look is the small business association or SBA.</p>
<p>&#13;<br />
This government program is specifically set up to help young entrepreneurs such as yourself. They offer several different categories of loan programs and you will want to look at each of them and see what meets your requirements. These programs do require a certain amount of collateral, though sometimes the small business itself can be counted toward this. The small business association does not actually provide the money itself but will rather recommend you to good lending institutions through which you can secure<br />&#13;<br />
financing. </p>
<p>&#13;<br />
Another good place to start for a small business loan is your local bank, meaning the one you do business with. Banks are more apt to offer loans to qualified customers with whom they already have an account in good standing. They will not have to do a lot of credit checking, as they already have most of your financial information at their fingertips. Often, the financing and interest rates through your own bank will be better than you can find at other institutions. </p>
<p>&#13;<br />
Finally, avail yourself of venture capitalists and angel investors. These people or foundations are in the business of investing. More than any of the other options, however they will be keenly interested in how your business can make them money. If you have a good business plan, seek out these investors for some capital to start your company.</p>
<p>           &#13;
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><b>Obinna Heche. Los Angeles &#8211; California</b>&#13;<br />
&#13;<br />
Delivering the best home based business ideas and &#13;<br />
opportunities so you can work at home successfully..&#13;<br />
<a rel="nofollow" rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.homeincomeportal.com/obhmy365/"> http://www.homeincomeportal.com/obhmy365/</a></p>
</div>
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		</item>
		<item>
		<title>Loan For Your Business</title>
		<link>http://colorfulmoney.com/loan-for-your-business/</link>
		<comments>http://colorfulmoney.com/loan-for-your-business/#comments</comments>
		<pubDate>Wed, 05 May 2010 19:22:35 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[association]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[business degree]]></category>
		<category><![CDATA[California]]></category>
		<category><![CDATA[capital]]></category>
		<category><![CDATA[Company]]></category>
		<category><![CDATA[course]]></category>
		<category><![CDATA[Franchise]]></category>
		<category><![CDATA[franchise company]]></category>
		<category><![CDATA[getting a loan]]></category>
		<category><![CDATA[good chance]]></category>
		<category><![CDATA[government program]]></category>
		<category><![CDATA[lending institutions]]></category>
		<category><![CDATA[Loan]]></category>
		<category><![CDATA[loan programs]]></category>
		<category><![CDATA[Los Angeles]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[plan]]></category>
		<category><![CDATA[SBA]]></category>
		<category><![CDATA[small business association]]></category>
		<category><![CDATA[small business owners]]></category>
		<category><![CDATA[smart business plan]]></category>
		<category><![CDATA[special loan]]></category>
		<category><![CDATA[start]]></category>
		<category><![CDATA[start up capital]]></category>
		<category><![CDATA[sure thing]]></category>
		<category><![CDATA[thing]]></category>
		<category><![CDATA[young entrepreneurs]]></category>

		<guid isPermaLink="false">http://colorfulmoney.com/loan-for-your-business/</guid>
		<description><![CDATA[If you are looking to get started in the small business world, chances are you will need some outside start up capital. Few, if any, small business owners got their start up money out of their own pocket. Fortunately, there are a plethora of available avenues for you to secure some funds to get your [...]]]></description>
			<content:encoded><![CDATA[<p>If you are looking to get started in the small business world, chances are you will need some outside start up capital. Few, if any, small business owners got their start up money out of their own pocket. Fortunately, there are a plethora of available avenues for you to secure some funds to get your small business off the ground. Of course, to get these loans you will have to show a business plan indicating you know what you are doing and have a good chance of turning a profit within a recognizable time frame.</p>
<p>&#13;<br />
Neither banks nor the small business association nor outside investors are looking to simply give their money away. They will want to see a verifiable return on their investment. Of course, no business is a sure thing but you will want to make it seem like yours is. If you have a smart business plan, some collateral to put up and a business degree, getting a loan should be possible. Here are some of the available outlets for procuring that all important capital. </p>
<p>&#13;<br />
First of all, if you are looking to buy into a franchise, you will want to look in a different area than you would if you were starting your business from scratch. There are franchise financing plans and these are often times provided by the franchise company itself. For instance, if you want to open up a McDonalds, you will want to research the company to see if they offer plans for paying off your franchise loan.</p>
<p>&#13;<br />
These plans are often cheaper, better and easier to procure than loans from an outside source. If the franchise company you are buying into has no such program, see if your local lending institutions offer special loan programs for those looking to start a <br />&#13;<br />
franchise. If franchising is not your thing, you will want to look at the available loans to start up small businesses. One of the first places you will want to look is the small business association or SBA.</p>
<p>&#13;<br />
This government program is specifically set up to help young entrepreneurs such as yourself. They offer several different categories of loan programs and you will want to look at each of them and see what meets your requirements. These programs do require a certain amount of collateral, though sometimes the small business itself can be counted toward this. The small business association does not actually provide the money itself but will rather recommend you to good lending institutions through which you can secure<br />&#13;<br />
financing. </p>
<p>&#13;<br />
Another good place to start for a small business loan is your local bank, meaning the one you do business with. Banks are more apt to offer loans to qualified customers with whom they already have an account in good standing. They will not have to do a lot of credit checking, as they already have most of your financial information at their fingertips. Often, the financing and interest rates through your own bank will be better than you can find at other institutions. </p>
<p>&#13;<br />
Finally, avail yourself of venture capitalists and angel investors. These people or foundations are in the business of investing. More than any of the other options, however they will be keenly interested in how your business can make them money. If you have a good business plan, seek out these investors for some capital to start your company.</p>
<p>           &#13;
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><b>Obinna Heche. Los Angeles &#8211; California</b>&#13;<br />
&#13;<br />
Delivering the best home based business ideas and &#13;<br />
opportunities so you can work at home successfully..&#13;<br />
<a rel="nofollow" rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.homeincomeportal.com/obhmy365/"> http://www.homeincomeportal.com/obhmy365/</a></p>
</div>
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		</item>
		<item>
		<title>The Cons of Franchising</title>
		<link>http://colorfulmoney.com/the-cons-of-franchising/</link>
		<comments>http://colorfulmoney.com/the-cons-of-franchising/#comments</comments>
		<pubDate>Sat, 06 Feb 2010 17:02:00 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[anything]]></category>
		<category><![CDATA[article]]></category>
		<category><![CDATA[brand name]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt]]></category>
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		<category><![CDATA[Franchise]]></category>
		<category><![CDATA[franchise owners]]></category>
		<category><![CDATA[franchise stores]]></category>
		<category><![CDATA[franchisees]]></category>
		<category><![CDATA[hundreds of thousands]]></category>
		<category><![CDATA[initial investment]]></category>
		<category><![CDATA[internet]]></category>
		<category><![CDATA[internet marketers]]></category>
		<category><![CDATA[lucrative business]]></category>
		<category><![CDATA[Matt]]></category>
		<category><![CDATA[Matt Mossop]]></category>
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		<category><![CDATA[Recession]]></category>
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		<description><![CDATA[The Cons of Franchising Since beginning my internet marketing business, I’ve spoken to and dealt with a few former franchise owners&#8230; none of whom had anything particularly positive to say about franchising. In particular, I’ve discussed the subject extensively with my current personal mentor (one of the current top internet marketers in the world&#8230; yes [...]]]></description>
			<content:encoded><![CDATA[<p><strong>The Cons of Franchising</strong></p>
<p>Since beginning my internet marketing business, I’ve spoken to and dealt with a few former franchise owners&#8230; none of whom had anything particularly positive to say about franchising. In particular, I’ve discussed the subject extensively with my current personal mentor (one of the current top internet marketers in the world&#8230; yes officially&#8230; it is ranked). This is a guy who lost two franchise stores and went USD $500 000 into debt soon after the recession began. The following article will discuss some of the major cons involved with franchising.</p>
<p>First and foremost, investing in a brand-name franchise is going to set you back somewhere in the hundreds of thousands of dollars. Now I understand that you’re investing in a potentially lucrative business, however, this is quite a massive sum of money to be investing in something with such an uncertain future. Why did my mentor fall $500 000 into debt? Well, the economy took a turn for the worse, and his franchises went with it. This was only a few short months after making his initial investment, and there simply wasn’t anything he could do to keep the business afloat&#8230; the economy was bad and people were spending less and saving their money. Many other franchisees and small business owners were forced to sell their businesses soon after the economy went down the tubes.</p>
<p>Now if you do get your franchise up and running, it’s certainly not the cakewalk many people believe it to be. Yes there are company systems in place to facilitate the running of the business, and a brand name will help you attract extra customers&#8230; but that doesn’t mean you can simply “plug in” to the system and let it run for you&#8230; there’s still going to be quite a bit of hard work involved. Franchises are definitely NOT “get rich quick” opportunities, and are by no means a guarantee of success, no matter how well-known the franchise you may be buying into.</p>
<p>Moreover, the hassle of dealing with employees exists. Who do you generally see working in franchise stores? That’s right&#8230; teenagers&#8230; most of whom like to fool around on the job, and don’t care which way business goes&#8230; good or bad.</p>
<p>Lastly, if you’re looking at buying into a franchise, it’s likely you’re looking to be your own boss. While as a franchisee you may not have to answer directly to anyone, you’re far from being able to fully-control the business. Simple rules such as wages, hours of operation, suppliers (you’re generally relegated to buying from the franchisor&#8230; no shopping around for cheaper and better deals), and so on, are out of your control. This system which helps you run the business is also going to greatly limit your flexibility as a business owner.</p>
<p>This article is not to say that every franchise is bound to be a failure, or that they’re impossible to run, just that they are simply not the sure-fire way to success many people think they are. Other, simpler, options do exist in the form of self-owned businesses. Online home-based businesses can be one incredibly lucrative option&#8230; an essentially recession-proof option without the requirement of a massive investment, employees, and overhead. Do your due diligence however and search out a legitimate home-based business as there are quite a few scams out there today.</p>
<p>      <span style="font-size:80%;font-style:italic">
<p>Matt Mossop is a succesful internet marketer and home based business owner. To learn more about Matt and how he can help you, visit <a rel="nofollow" rel="nofollow" target="_blank" href="http://mattmossop.com/main?t=abfranchisecons">MattMossop.com</a>.</p>
<p>Article Source:<a rel="nofollow" target="_blank" href="http://www.articlesbase.com/franchise-articles/the-cons-of-franchising-1305774.html" title="The Cons of Franchising">http://www.articlesbase.com/franchise-articles/the-cons-of-franchising-1305774.html</a><br />
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		<title>Navigating the difficult lending market to open a franchise</title>
		<link>http://colorfulmoney.com/navigating-the-difficult-lending-market-to-open-a-franchise/</link>
		<comments>http://colorfulmoney.com/navigating-the-difficult-lending-market-to-open-a-franchise/#comments</comments>
		<pubDate>Sun, 10 Jan 2010 14:14:51 +0000</pubDate>
		<dc:creator>davidguide</dc:creator>
				<category><![CDATA[Cheap Used Cars]]></category>
		<category><![CDATA[401k rollover]]></category>
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		<description><![CDATA[In the wake of a recessionary cycle that has only recently begun to show signs of a turnaround, retailers have faced a number of significant financial and logistical challenges. But while existing retailers have faced a number of challenges, from a grim real estate market, to tighter lending standards and lower levels of consumer spending, [...]]]></description>
			<content:encoded><![CDATA[<p>In the wake of a recessionary cycle that has only recently begun to show signs of a turnaround, retailers have faced a number of significant financial and logistical challenges. But while existing retailers have faced a number of challenges, from a grim real estate market, to tighter lending standards and lower levels of consumer spending, the rugged economic landscape has been an especially difficult issue for aspiring small business owners. For prospective franchisees, the financial hurdles to opening a small business franchise can seem bigger than ever.</p>
<p>Up until approximately a year ago, the most common method that a prospective franchisee would use to secure financing for a new small business was by securing a home equity line of credit. With a house the single biggest asset in most people’s personal portfolios, home refinancing always made sense. But with homes losing value and banks hesitant to lend, refinancing options have become more limited for many. Some alternative business loans are available through local banks, and the SBA can provide some assistance in the form of low-interest SBA-backed small business loans, but such programs are relatively limited and frequently the application and review process can move quite slowly. Fortunately, however, there are many other viable and effective ways to move forward with financing. Navigating the difficult lending market to open a franchise can seem like a daunting prospect, but there <em>are</em> a number of available options to finance a new small business in an efficient, effective and responsible manner.</p>
<p><strong>Rolling it over</strong></p>
<p>A 401K rollover is one popular option for prospective franchisees. A 401K rollover essentially utilizes an existing IRA as a funding source for a new business; doing so without incurring any taxes or penalties. There are a number of companies that specialize in assisting clients with the logistics of a 401K rollover. The basic process involves putting together a corporation and a 401K transfer package, and then purchasing stock in the corporation. The net result is a process that enables individuals to utilize their savings to fund the opening of their own business; making, in a very real sense, an investment in themselves. And because those savings are treated as an investment in the business, there is no corresponding debt to increase overhead for the new business<em>.</em></p>
<p><strong>Taking stock</strong></p>
<p>Selling stock or liquidating existing assets is always one possible financing option. While not everyone has the investment assets necessary to make this a viable alternative to traditional financing, there are definite advantages to such a strategy. While there may be one-time tax penalties, the ability to secure up-front capital while avoiding the burden of interest and long-term financing obligations makes this an appealing option for some prospective franchisees.</p>
<p><strong>Friends and family</strong></p>
<p>An increasingly popular way to access the capital necessary to start a small business or become a franchisee is to assemble an investment group of family and friends. Turning to family and friends to chip in a small percentage of the overall financing can make funding more accessible and is often a more flexible and convenient option for new franchisees. There are different ways in which such arrangements can be structured. The franchisee may agree to pay investors back in a traditional manner, with a certain percentage of the investment (plus interest) repaid every month, or, alternatively, the borrower might agree to sell a certain percentage of the new business to those investors, who would then be eligible for quarterly profit checks.</p>
<p><strong>Look to the landlord</strong></p>
<p>One often overlooked option for aspiring franchisees is the availability of landlord financing to defray the expense of investing in a new business. One of the great benefits of becoming a franchisee is the ability to utilize the franchisor in landlord negotiations. Many franchisors have the experience, the information, and the influence to negotiate a more favorable deal on behalf of a new franchisee. It is not uncommon for a franchisor to negotiate 50% or more of buildout costs to be factored into a leasing arrangement and, in some cases, the landlord might even finance a portion of the up-front monies directly to the franchisee. In today’s challenging economic environment, more and more landlords seem willing to assist with lease improvements, provide a substantial building allowance, or even lend money (especially in cases where the client has particularly good credit). Landlords tend to be particularly willing to explore favorable financing options with service retailers, who do not need to expend additional resources to stockpile inventory and are subsequently viewed as less of an investment risk.</p>
<p>The bottom line is that there <em>are</em> options available to individuals who are motivated to start a new small business or become a franchisee. While starting a new business might seem like a prohibitively costly endeavor to some, as little as $100,000 is enough open many strip-center retail businesses out there. Perhaps more importantly, while securing financing might be a bit more challenging at the moment, the rewards are very much worth it; there has never been a better time to start a business! The up-side of a troubled economy is that new franchisees are able to lock down rental rates today that they could not have gotten just a few years ago. Overall overhead has been dramatically reduced, and for aspiring new franchisees willing to work to secure financing, a successful new small business can literally and figuratively pay off.</p>
<p>      <span style="font-size:80%;font-style:italic">
<p>John Hoose is founder of Howell, Mich.-based LaVida Massage, a unique health and wellness massage center. LaVida has centers throughout the United States, with franchise opportunities in all 50 states and in Canada. For more information on opening a LaVida Massage contact Hoose at <a rel="nofollow" rel="nofollow" target="_blank" href="mailto:jhoose@lavidamassage.com">jhoose@lavidamassage.com</a> or visit <a rel="nofollow" rel="nofollow" target="_blank" href="http://www.lavidamassage.com.">www.lavidamassage.com.</a></p>
<p>Article Source:<a rel="nofollow" target="_blank" href="http://www.articlesbase.com/franchise-articles/navigating-the-difficult-lending-market-to-open-a-franchise-1686836.html" title="Navigating the difficult lending market to open a franchise">http://www.articlesbase.com/franchise-articles/navigating-the-difficult-lending-market-to-open-a-franchise-1686836.html</a><br />
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