I Would Like to Know How to Manufacture a Product?

Go to and enter your zip code. On the next screen, you will learn about the next chapter of SCORE. Call them and arrange a free meeting with a SCORE volunteer counselor. They will guide you through the process.


SCORE is a nonprofit association dedicated to entrepreneurial education and training, growth and success of small businesses nationwide and is a resource partner with the U.S. Small Business Administration (SBA).

SCORE has 350 chapters in locations in the United States and its territories, with 13,000 volunteers throughout the country. Both executives working and retired business owners donate their time and expertise as business counselors.

Read more

What is the best way to enter the world of graphic design?

With the world's Internet connection, you can easily enter the field of graphic artist and start building your portfolio from the comfort of your home.

Some Ideas

The first place I would go is it is a "contest site" for graphic artists. It would be an exceptional way for everyone to show their skills and compete with other graphic artists.

I have personally used this site many times in the past to design logo and the site committee. If the design is chosen as the winner, then be able to "win" the prize is the amount offered for the job.

That's the first place I'd like a good start ...

Over time as your skills improve you can create your own website to further promote yourself online. Ultimately if you wish - you can use all the samples used to create his great (and great looking) of the portfolio to approach big companies and get a job with them - if you wish.

Read more

How can You get a credit Card for Bankruptcy?

You can go through your bank (at best) or try Orchard Bank, Capital One, HSBC and the Prime Minister.

They all offer cards to people with damaged credit. All have high interest rates and fees, but if you pay in full each month, you can avoid the charges and still build your credit.

Read more

What can do the payday loan company If not paid?

Anything you want. If you agreed to pay in full, then you can access your bank account and carry it out. If you do not have enough money, then you can charge ridiculous financing costs (135%), report to credit bureaus, after going to court (and win), the request for an embargo so all the money tax receipts will be sent directly to them instead ...

Very Important

Payday loans are not intended to be used repeatedly. There are solutions to the debt. They are there to help cover a surprise before payday that would otherwise be able to afford.

If you wish to pay in installments rather than all at once, then you will need to contact the place that gave the loan. In general, you can not "turn off" the loan repayment. It only takes.

Read more

How to Understand the Cooling-off Periods in Contracts?

Is it legal for a company in the United Kingdom to include a clause that basically states that the time I had time to read the contract out of the office of business and in the presence of one of its employees then you waives his right to a period of reflection?

There is no general right to a cooling off period in a contract.  

The point is that a contract is an agreement that is binding once made​​. If you want time to think then refuse to sign it until you are satisfied.

There are some exceptions in certain consumer contracts. 

For example, consumer credit agreements, agreements for sale at a distance, and agreements made ​​by sellers calling at their home.


A lease may be annulled if one of the parties who signed under duress. It is unclear what has happened here, but why else does not simply walk away if they were not happy?

Read more

Is it more Difficult to Get a Loan for Buy Stocks than it is for Real Estate?

Unable to get a loan to buy shares. 
No lender actually lend you the money if you told them that's what you're using, and it would be a terrible investment on your part.

A loan to purchase real estate is secured by the property - the bank can take your house back if you do not / can not pay. Have a tangible asset to recoup their investment.

For stocks, if you lose all the money and can not afford it, do not have anything to recover their losses.

If asked if 

You can get a loan based on the population as a guarantee that they currently have, the answer is yes. It take a shorter period of time to close a loan of securities to refinance real estate that used the property as collateral for a loan. To eliminate the requirement of real estate to close a refinance real estate loan.

Unable to get a loan to buy shares. You can use a loan to buy a house.

Read more

How Can you Get a Real Estate Loan?

Buying a home is a step by step, this is the first step to take to buy a house. The rest of the steps will fall into place, regardless of the type of property being purchased.

To determine the type of loan programs that are qualified for you will need to complete a loan application with a mortgage broker, you can find one in your local telephone directory.

Make sure this mortgage broker or mortgage banker is able to do government loans such as FHA and VA loans if you qualify for one. With a VA loan are not required to have a down payment, this will save on closing costs.

Completion of this application, it takes a while to enjoy your favorite drink and sit down. Once you have completed the application, which will run your credit report with your credit. These credit scores will determine the interest rate.

The amount of your monthly debt payments to be paid according to their credit report and how much mortgage you can take based on your income will determine the amount of home you buy.

When you talk to the mortgage broker you will need the following documents to complete the loan application, there will be others, but this will get you started.

  • 1 One month of pay stubs for each person who is on the mortgage.
  • 2 Six months bank statements for each bank in which your bank, as well as statements from any 401K from you place of employment.
  • 3 Two years of federal income taxes with the W-2 they contain.
Once you have everything you need to do so may issue a pre-approval letter so you can buy a house. In this pre-approval letter will be the amount of home you are qualified to buy.

Once you get this pre-approval you can now find a real estate agent is a house or it could be a reference.

Now make sure before getting prior approval to you and your lender to review all options with regard to mortgage programs you qualify, the interest rate, monthly payments.

If you are an FHA rate, fixed, two loans to eliminate PMI like an 80/20 or one loan, if you are qualified and approved for a loan of 100%.

You should select the loan that best fit your financial situation at the moment. That could be an adjustable rate loan. It could be a fixed rate loan for 5 or 10 years and then adjust. Some adjustable rate mortgages only adjust once.

Make sure your mortgage broker to explain all your options so you can make an intelligent decision.

What could be good for one person may not be good for you, that is, just because your friends and all your real estate friends are saying about the great fixed rate you have, your financial situation might call for another thing.

So select the best option for you and your financial situation. Must also have a Good Faith Estimate (GFE), which indicate the cost you'll pay for this loan. Also indicate the amount of your payment.

Once you have found a home in the real estate agent then prepare a contract for you and the seller to sign. Your mortgage broker now for an evaluation to show proof of the property value.

The mortgage broker may request additional information or documentation, do not get all tight this is normal, simply provide the information or find the necessary documents.

After the assessment has been completed, will be called by your mortgage broker to sign your loan documents so you can take possession of their new home.

Before signing any loan documents to make sure they say exactly what you and your mortgage broker went over when he decided on what mortgage program was best for you.

Read more

How do you know when to buy a home is a good investment?

  • Determine value by analyzing the prices of similar homes in the area that have sold. Compare apples to apples on size, condition, updates, features, etc.
  • For added equity, buy one that needs a lot of repair and renovations. Figure out how much all these things will cost, and add about $5000-10,000. Subtract the total from the average selling price of a similar home that has been completely renovated, and that will be the amount that you offer for the house. After all renovations are complete, you will have the $5-10k sweat equity in your house.
  • Try to buy a property close to amenities including restaurants and transport hubs. Properties like this will always make a profit worldwide. Always buy something that you are comfortable with just in case you need to stay there a while.

Read more

It possible to sell my Business Plans to some Firms or Someone?

I was working on a business plan to participate in competitions between the university and ended up in a new concept that is very profitable, making it possible to sell my business plans to some companies or someone?


  • Yes, you can sell a business plan. First see what kind of business plans are in demand. Suppose I say that I have money and I will buy your business plan, but only after I put it into practice and proves to be a profitable business in a short period (eg from 3 months) of time. (or some similar condition not so simple).
  • Yes, you can sell business plans and is a very good job. You can make money through it. You can contact directly with the companies to sell their business plans, but depends on your area of interest the kind you have and what sector or sectors that have plans.

Read more

What advice would you give to an investor for the first time?

1. Do you think it wise to invest in the stock market on their own? Why or why not both.?
2. How do I know if an action is a good buy or not.?
3. What is a rate of return?
4. Why can you chose to have the assistance of a financial professional to help you invest in the market?


(1). Read a good book first: the lazy person guide to investment by Paul B. Farrell

(2). Index mutual funds, yes. Individual actions, no. (a) Most people do not have the skills or the discipline of analysis needed to do the job. (b) Individual companies lie, cheat, steal, cheat and abuse their shareholders ... esp. small.

(3). I (me personally) do something similar to the methods explained in this book: You can be a Stock Market Genius by Joel Greenblatt. (But only with my venture capital ... money you can afford to lose)

(4). The simple definition is the total return on an investment over time is yours, including income and capital gains.

(5). For specific advice outside their knowledge or experience level.

(6). The higher the risk, the greater the reward.

(7). Yes, if you know what you're doing.

(8). Check the companies financial history, current prices, prices of past actions. Also invest in what you want, time is something that grows at a steady pace for the long term, or something with a rapid increase that is performance.

(9). I prefer it as a return on investment (ROI), is a relationship between money earned and lost the amount invested.

(10). May have some good advice and suggestions, and possibly experience.

Read more