Monthly Archives: May 2016

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Politicians Need Not Apply

Imagine that you are responsible for hiring the most important person in the world. This individual will have the world’s largest budget and supervise a workforce that serves over 300 million customers. This position is responsible for all the relationships your organization has with every other organization in the world. This individual will also have at their command tremendous powers of destruction that could end life on Planet Earth in minutes.

I am assuming that you would not stop until you found the best possible person for this incredibly important position. To start with you are going to need some screening criteria.

This person has to be an excellent manager – this is an astronomical amount of resources to oversee and we need a master manager to keep everything in order. Next this person needs to be a visionary capable of envisioning the future and seeing what needs to be done to make sure we are heading where we wish to go.

Since this position is responsible for so many critical relationships we need a seasoned and effective diplomat. After all diplomatic solutions are almost always cheaper and healthier than using power or force.

We also need someone who is very intelligent and knowledgeable. This job requires an unusually good understanding of the world’s cultures and an ability to critically evaluate technical and scientific concepts in order to make complex decisions.

Maturity is another key consideration. This person must be able to put their feelings and ego aside and focus on their objectives and the needs of their customers. They also need to be thoughtful and patient so they can make wise decisions and avoid letting their reactions get in the way.

Finally, we need someone with enlightened leadership skills. This means someone who has a strong sense of direction and knows how to get others on board without coercion. It also means that this person is very careful about who they hire. Our winning candidate needs to have the very best staff available because this job is so big that many responsibilities will be delegated. We need our candidate to put skills and experience in front of personal loyalties and political considerations when selecting their management team.

This criteria pretty much covers the skills and experience our candidate needs. What about character? This is where things get a bit dicey.

Evaluating a person’s morals is impossible unless you know that person extremely well. The other limitation with morals is that we do not seem to be able to agree on what morals are most important. The same goes for values. Then there is the other problem; what a person says are their values and morals may not be matched by their actual behavior. Perhaps a person’s statements about their morals and values are not reliable criteria to evaluate character…

What about ethics? Ethics can be evaluated by looking at an individual’s track record. Principles like fairness, trustworthiness, and consistency are often reflected in a person’s previous job performance.

Ethical people are far more concerned with what actually happens Vs what kind of a story can they tell about it. When an individual hides behind marketing terms, sound bites and photo opportunities one might be wise to question their ethics. A truly ethical person does not need these window dressings and is much more concerned with getting the job done than they are about looking like they are getting the job done. When it really comes down to it ethics beats values and morality hands down as criteria for evaluating a candidate’s character.

Now imagine something else. Imagine that for some reason the only criteria we have for evaluating our candidates is popularity. In this case we are no longer in hiring mode, but instead are conducting a popularity contest. What do you think the chances are that the best person for the job would get it?

Unfortunately, this is not just your imagination. The Presidential and Congressional races are looking more and more like popularity contests every year. It is no wonder that most Americans are not satisfied with the performance of our elected officials.

To change this we need to change our perspective and how we evaluate candidates. First, it helps to remember that our elected officials are public servants that we pay with our tax dollars. This means they work for us. When we keep this in mind we can use the exercise above to evaluate our candidates on the basis of their suitability for office and refuse to participate in a popularity contest.

When we decide that we are unwilling to vote for the candidate in our party who seems to have the best chance of being elected, and instead vote for the candidate best suited for the job regardless of party affiliation; then we will have a much better chance of ending up with the best person for the job.

Randy Bisenz is the founder of a non-partisan article hub and online community focused on solutions to worldwide problems.

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SBA WOSB 8(m) Program ? Eligibility

This Friday, February 4th, the SBA’s Woman Owned Small Business final ruling is scheduled to take effect. This is shaping up to be an exciting year for woman owned small businesses, but like most government programs there will be some red tape to navigate. The first step for anyone interested in participating in this program is to find out whether you’re even eligible.

Essentially, the primary requirement to be considered a woman owned small business is at least 51% ownership and control of your business by one or more women. Sounds pretty simple and easy, right? Well, don’t get carried away thinking you can just make a verbal agreement with a female family member and watch the contracts come rolling in. There’s more to 51% ownership than a woman’s name on the letterhead. The SBA requires that the 51% ownership and control be direct and unconditional and that the women be US citizens. In addition, the highest officer position must be held by the woman in question and she must manage the business on a full time basis, devoting her time and energy to the concerns of the business during its normal working hours. This same woman must also not engage in outside employment which prevents her from focusing her time and attention to the daily affairs of the business. The business must also meet the SBA’s small business size standards according within its primary industry. These eligibility requirements must also be properly documented. A full description of the eligibility requirements and definitions can be found on the Federal Register’s journal entry concerning the final ruling. As you can see, these requirements are rather specific and will likely weed out any businesses masquerading as a WOSB.

Of course, in order to qualify as a WOSB, you will also need to have a DUNS number and have completed proper CCR and ORCA registration, which is required for any business to work government contracts.

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Luxlady Large TableMat IMAGE ID 30765491 Pink piggy bank facing straight on against a colorful red background with corner vignetting in a savings investment and financial concept

Luxlady Large TableMat IMAGE ID 30765491 Pink piggy bank facing straight on against a colorful red background with corner vignetting in a savings investment and financial concept

Luxlady Large TableMat IMAGE ID 30765491 Pink piggy bank facing straight on against a colorful red background with corner vignetting in a savings investment and financial concept

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Unsecured Business Loans – A Trustworthy Fiscal Service For All!

Capital is the most indispensable tool that is required by the businessmen to start a new business. These co-operate a very vital role in an industrialists life and his/her career as he/she fundamentally requires it to originate business. However now you have the most better-quality alternative as unsecured business loans help you to achieve all your wants right away. To hold up all fiscal matters with respect to your entrepreneurship, these advances are a fiscal formation that awaits your absorption as these resources do not require any kind of security. For this reason, these plans are trustworthy fiscal service for all.

Though, it is very important for the applicant to keep swiftness with his/her contact. Like any other documentation, he/she should analyze the conditions in this contract as well. He/she must make a note of the fact that there is a high rate of interest connected to the funds. Subsequently, the candidate should be well versed with the advantages and disadvantages of the union.

These schemes are reasonable for all business projections. The candidate is given a sum ranging from 1,000 to 25,000. The authority time for these credits matures after 1 to 10 years. Consequently this sum is sufficient for satisfying all imperative provisions. The borrower here is not bound by any pledge to offer collateral. At the same time, he/she is free from long dealings of verification and assessment of the asset. So, the risks borne by the businessman is limited.

In order to make an appeal the borrower has to achieve certain pre-requisites on obtaining these plans. The first compulsion is that he/she must be a UK elector. As well, he/she should be celebrated their eighteenth birthday. In calculation it is essential for him/her to work on the basis of a regular salary of at least 1000 in a reputed company. Ultimately he/she must possess an active and legal checking account.

Through online means you can naturally get appropriate information regarding these credits. As a result, the online form serves you different facilities than the offline techniques.

Jerry Montgomerie is providing loan and financial advice to consumers for quite a long time. He is working as a Marketing Consultant with Unsecured Loans Fast Approval. To find business startup loans, tenant loans and unsecured business loans please visit at-

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Cash Loans Business Car Door Magnets Magnetic Signs-QTY 2 – 12 x 24 Inches

Cash Loans Business Car Door Magnets Magnetic Signs-QTY 2 – 12 x 24 Inches

Cash Loans Business Car Door Magnets Magnetic Signs-QTY 2 - 12 x 24 Inches

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Our high quality car door magnets and truck door magnets are digitally printed using UV curable inks and laminated for long-lasting durability. These magnets can be easily applied and removed to any metal surface and leave no residue or damage. Magnets are a cost effective way to advertise your business whether you’re a contractor, retail shop or real estate agent. So give your vehicle a professional look and advertise on the go with our magnetic car signs and magnetic truck signs.

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Easy Sba #1 Step-By-Step Guide to Apply for a Small Business Loan, ISBN 06929...
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Applying For Government Grants For Small Businesses | Initial Alternatives For Starting A Business

Starting up with your own business isn’t impossible. All it requires is proper awareness about governmental assistance that is possible to be incorporated so that you can actually take advantage of such benefits that can be included with appropriate guidance. Fundamental essentials of government grants for small business groups are frequently seen on news, commercials, and even on the web in advertisements and classified ads. One requires being extremely careful in identifying which of this information is authentic. You certainly dont want to end up losing funds before you earn some.

To understand some important facts about government grants for small business groups, one should realize that the word grant doesnt necessarily mean that there is no cost requirement at all. Although there are lots of exceptions wherein the total budget is provided by the government, these are limited to non commercial organizations which include nonprofit groups too. The government grants for small businesses are also available in the form of loans and financial support from commercial banks and money lenders.

The Government f America offers a multitude of support programs for those who really are in need for such allowances. The government grants for small business groups can be usually obtained at certain governmental websites. There are numerous factors to consider before applying for a grant. We ought to understand that government grants for small business are created to protect the interest of business owners in the industry. Obtaining a grant is often hard as the competition pops up even before you put up the business of your niche. The easiest technique to start is to prepare all the necessary documents needed for the applications and also a comprehensive proposal. This essentially requires presenting the objective correctly with intricate illustration of the plans and budgets. If there will not be any issues regarding the eligibility and also if the applicant is a law abiding citizen, then there’s a far better chance of the plea being approved.

You must know the grant that you require for your needs and plans. Government grants for small business are supplied to the appropriate candidate so if you happen to meet the criteria then theres no reason why your grant should be obstructed.

Establishing grants for small business require a lot of hard work. When it comes to applying for grants, pursuing a government grants for small business or even recommendations from eminent people can prove to be beneficial. Learn more about Government Grants for Small Business.

Creative Financing: How to Get a Small Business Loan without a Banker

Creative Financing: How to Get a Small Business Loan without a Banker

Creative Financing: How to Get a Small Business Loan without a Banker

Creative Financing: How to Get a Small Business Loan without a Banker, is your guide to effectively using social lending to fund your company.

The author, Linda Jenkins, is CEO of, an online resource for new small business owners. She is also an active investor and consults for Jenkins & Company, PC.

You need this book if:

You want to know how peer to peer lending and crowdfunding works.

You own an online business and bankers


Residential Hard Money Lenders Can Close Quickly and Get You The Real Estate Capital You Need

Residential hard money lenders offer solutions to the problems that created the marketing for real estate investors. The banks were forced to the number of credits that may reduce them, and they take longer than ever before. It is not uncommon to wait several weeks, only to find that your application was rejected. Ie In the world of rehabbing and investing other types of real estate, weeks of waiting for lost profits.

– Pre approval

Because hard money residential lenders wereless affected by the economy than conventional banks, they can make more loans and close deals faster. You can usually offer pre-approval in a matter of days, not weeks. Rather than waste your time looking for financing, you can spend your time, that the best deal.

To maximize your profits and minimize involve the time to connect, recommend, most residential hard money lender that you complete first a pre-approval application. In general, you willrequired to provide a credit report, an overview of your assets, including proof of income and proof of your identity. It’s not a good idea to leave this information over the Internet, for obvious reasons, but that is a pre-approval so you should not be too big of a hurry. This is given an opportunity to verify that you can use the money for a property in a short period to buy.

– Pre approval

In a way, lenders are all equal. The prices and fees charged by residential hard money lendervary, as in conventional banks, so it’s a good idea to go shopping. There is usually an application or processing fee. There should be a reasonable fee, that is, not in a thousand-dollar range.

The minimum and maximum loan amount may vary. If you need a large amount of capital, ask for funding providers that seek to accommodate your needs. The best sources you do not limit the number of objects in which to invest, as long as you meet the otherscriteria.

The criteria residential hard money lenders use to decide your creditworthiness varies in the same way that bank requirements vary. Some want to see higher credit scores than others, some want years worth of income statements, etc. There is a rule of thumb to insure that you are dealing with a reputable company. If they guarantee approval, without first reviewing your application, they are probably going to take your application fee and run. If they seem to have little or no Concern about the ability to repay the loan, something is wrong.

Also hard money residential lenders would prefer to avoid foreclose on a property used as collateral. The foreclosure process is expensive and time consuming. Plus, he puts them in the position of dealers who need to complete the repairs before they can recover their investments. Here are some of many banks have run into problems lately.

Residential Hard Money Lenders Can Close Quickly and Get You The Real Estate Capital You Need

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Small Business Loans: A Commercial Loan Officer Tells You How to Get a Bank Loan: Straight to the Point with 5 Criteria

Small Business Loans: A Commercial Loan Officer Tells You How to Get a Bank Loan: Straight to the Point with 5 Criteria

Small Business Loans: A Commercial Loan Officer Tells You How to Get a Bank Loan: Straight to the Point with 5 Criteria

I am a small business loan officer and currently work for one of the top banks in North America. I have been in my position for a few years and have the privilege to work with experienced senior loan officers. While I could write a hundred-page book discussing the many factors us commercial bankers may consider before giving out a small business loan, I am going to save you the time, speak from experience and discuss 5 main criteria we look at. I would say over 90% of the time a bank cannot prov


How to Get a Loan or Line of Credit for Your Business (Small Business Sourceboo

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How to Get a Small Business Loan: A Banker Shows You Exactly What to Do to Get a
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