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Voting Question: question about how first time small business loans work?

I am interested in starting a small business. I am in my mid-twenties and I have very good credit. I also have a steady job that I would intend to keep while running my business at the same time. I am looking for a small business loan of roughly $100,000. I have no major debt at all other than a car payment. With the economy so bad, what are the chances of a bank giving me a loan of $100k? Since I am young, will I more than likely need a co-signer? any info is appreciated. I am just curious as to how this process works. thanks more

Voting Question: Desperate for a second chance at going back to school and denied private student loans, don't have a cosigner.?

I went to a private college for almost two years when I realized I was wasting tons of money on Bible credits I would never use, so I decided to take a year off and figure out a great school to go to with a Music Business major. I set my sights on The Institute of Production and Recording in Minneapolis, MN. Everything has been going great...except for my student loans. I have about half of tuition covered my Stafford loans the only thing is, the school isn't an eligible school for several student loan companies. My adviser has been giving me several different ways to get private loans and I have been denied by three places, and twice with a co-signer. My parents have the worst credit right now due to their specific jobs that aren't doing well in this economy. I fell a little behind on my student loan payments from my past private school but have communicated things with them and have set up small payments each month, but I am still being denied these private loans due to my credit score. Please help, I couldn't be more desperate in finding a way to pay for my tuition and this school. Classes start July 27th and I have been working non-stop trying to find new ways of getting there. Thanks! more

Resolved Question: How can I raise money to start a small business? Are there grants available for someone to start with?

I got notice that I'll be laid off come October. I don't know if I want to go and work for another company, or have to work for a temp agency. I want to start my own business, but money is tight. With the Credit market in such bad shape, I'm not about to ask for a loan. Are there sources for raising money for starting up a small business through grants? Note: Anyone posting any work from home links will be reported. more

Voting Question: What are the Technical degrees most wanted by the Air Force?

My husband just finished his associates in CNS. And he is now getting his Bachelors in Network security. He really wants to join the Air Force as an officer after that.He will be 29 years old when he has his Bachelors and his GPA right now is 3.8. I have heard they like engineering degrees but what about computer/network security? p.s. anything you can tell me about joining as an officer in our situation would help. We have 2 kids and have bad credit because of forclosure and losing our business in Michigans bad economy. But we did what we could by him immediatley joining school and continuing to work full time. We moved to San Antonio because we thought there were better opportunities here. Also, will he be able to go to school part time for his masters ?(it doesnt matter to us if they pay or not) He already has over 100k in private and technical school loan debt. He can't be out of school for more than 6 mos. Or he has to start paying his loans back. So how soon after joining as an officer could he take at least 2 courses towards his Masters? Our long term goal is to have a rewarding career where we can live small and pay off our student loans ASAP. Thanks. more

Resolved Question: How can I get a loan of $30,000 to $40,000 to start a small business? No job and bad credit here.?

Is there any way I could use the small business as collateral once I get it up and running? Is there any way I could use the loan as collateral? I have no job or funding to start off with. more

Resolved Question: How can I get a small business loan when i have bad credit?

I have horrible credit but I want to get a business loan for an upholstery business i want to start. more

Resolved Question: Have an idea for a business...?

I need only about 3k to set it up . Im confident that i will make good money out of it as i already have clients waiting for me to start. Only trouble is i have bad credit rating and no one to turn to for a loan for this money. Is there any government grants i could get for this . I did here that the government are trying to encourage small businesses to start so this can maybe kick start the economy . Is there anyway i could get help. This is really annoying because i know for a fact i could make this work . But because im so hard up for money at the moment im finding it double hard . more

Resolved Question: Trying to open a small business, but I don't have start up funds and my credit is bad, so can't get a loan?

I just need the capital for start ups, did research and found out grants are impossible to get. I know a little about what lenders look for when you apply for a loan because I used to sell cars, but I don't have to many good things. Part of the problem is I'm young so I don't have a strong history. more

Resolved Question: I am a physically disabled, single mother and in the first year of starting a bookkeeping business.....?

I have bad, bad credit. Can anyone tell me where and how I can get a grant, or a small business loan in such a situation as mine? If not a grant or a loan, how about a credit card? Please remember I have bad credit. Thank you for any helpful advice. I appreciate it. more

Resolved Question: I want to start a vacation rental business and I need help!!?

I dont know where to start. I have a great idea to start a small vacation rental with the option of very limited personal use... I can buy a condo on South Beach in Miami on Ocean Ave. Estimated cost 300-400K. I think a 500K business loan would be enough. Or maybe a mortgage. I dont have any collateral. My only income is day trading, and on top of that I am basically broke since I could not find a job after college, and in some credit card debt from moving and not working for a few months. I have a college degree in Economics. I live in NYC so my personal rent expenses are high. 1500/mo just for rent. The truth is that if if I charge the regular rate of hotels in South Beach, $400 a night.. I only need about 1000 nights to cover the cost of the condo alone. That would be 3 years if I booked every night so lets say 10 years WORST case scenario. Most mortgages can be 20-40 years leaving me plenty of breathing room to be profitable. I have the marketing tools available to rent this condo out plus South Beach is filled with INTERNATIONAL tourist money.. I NEED HELP on how i can get this done! more

Resolved Question: Does the government have Bipolar Bailout disorder? What is the best treatment?

As cornucopian benefits flow from Washington, Uncle Sam turns out to suffer from Bipolar Bailout Disorder. Like a taxpayer-funded Push Me-Pull You, he goes both ways while consuming enormous resources on the road to nowhere. Today’s gargantuan mess started largely because Washington used Fannie Mae and Freddie Mac to promote affordable housing. “The more pressure there is on these companies, the less we will see in terms of affordable housing,” Rep. Barney Frank (D., Mass.) said in 2003. He described Fannie and Freddie as “fundamentally sound” and added: “I want to roll the dice a little bit more in this situation towards subsidized housing.” Well, it worked. America is awash in affordable housing. Home prices in 20 major cities plunged 16.6 percent last quarter. That’s bad news if you’re selling, but a bonanza for those seeking affordable housing. So, rather than declare “mission accomplished,” Uncle Sam has cannon-balled into the mortgage markets to jack up housing prices. Which is it? Last September 24, G.W. Bush claimed the $700 billion bailout would relieve distressed banks of “troubled assets that are clogging the financial system.” But just seconds later, Bush continued: “...the value of many of these assets will likely be higher than their current price, because the vast majority of Americans will ultimately pay off their mortgages.” In that case, are these assets really troubled, or just hung over? If the latter, why not calm down, let them sleep it off, and then arise after a decent interval? The Troubled Assets Relief Program then endeavored to rescue teetering banks. But to do so, Treasury dragooned prosperous banks into accepting bailout money so their needy competitors would not be stigmatized. This is like a supermarket whose affluent shoppers must accept and spend Food Stamps so low-income customers with Food Stamps don’t appear poor at the checkout stand. “I think it’s absurd,” says the director of one small mid-Atlantic financial house. “We are a profitable bank. We have zero non-performing loans. We have more capital than we are required to have. We arguably are overcapitalized from an economic and a business point of view. Our only constraint on lending is the demand of credit-worthy borrowers. Our lenders are on the street every day, as they have been throughout this financial crisis, looking to make new loans. Despite that, we are being offered this relatively low-cost capital in the form of this preferred stock to be bought by the federal government.” This bank officer estimates that the Fed is ready to hand his hale and hearty institution between $4 million and $5 million. This banker notes “the ironic escalation of the interest rate.” The terms of the loan, he marvels, are “five years at 5 percent, then it goes to 9 percent.” In other words, Washington is giving banks adjustable-rate loans. This perfectly parallels the adjustable-rate mortgages that steered us into this ravine in the first place. http://article.nationalreview.com/?q=YzBjMmM3MmJlZGUzOWY1YWJiOTc4NGQzNjkzMjY0NjA=The whole article is good. It points out that despite the panic of passing $700 billion in bailouts immediately without review, Bush is leaving $350 to have Obama allocate them. The Federal Reserve is out of reserves, and the article says 'this goes way beyond 'show me the money', now it is 'throw me the money'. Are we ready yet to demand fiscal accountability and transparency, at minimum of our government and the federal reserve? Would you back HR 2755 to abolish the fed that injected two TRILLION in credit recently, per Bloomberg, and refuses to say who got it?TJTB - I hadn't seen that. Makes me mad, but who DIDN'T see this coming at least for the last year, at least on SOME scale? I mean, say only the Austrian School devotees predicted the extent, EVERYONE knew subprime mortgage structures were bad. Where do they get off speculating in markets to begin with? more

Resolved Question: I want to get finance to start a small business.....how?

I have fair...maybe even bad credit. under 5000 in credit card debt and want to start a wholesaling and import export small business, but want financing of like 5000- 10,000 to start it up. ive tried researching with grants but it's like 1 scam leads me to another. too many grant scam artists and i tried some loan websites but alot of them require good credit for business loans...........................................can anyone help me out with any options i can look up? more

Voting Question: Small Business Loan for a 23 and 25 year old?

Hi, I have worked for over 2 years developing a fantastic business plan and putting together a company and an idea to try and thrive in the US. Me and my business partner are now ready to take the next step. We need 260,000.00 in a start up loan to cover all initial costs. I will actually be working for free for the first few months to make this happen and so will he. We are excited and thrilled but are now facing our biggest obstacle. My credit score is a 700 his is a 600. We need to find a lender. The government just passed a bailout package and I think now would be a good time to go on this. Where should I go to get a loan considering my collateral will not be very high because of my young age? The sba is my frst thought but the red tape sucks so bad. I was also considering other financial institutions but I am unaware of their collateral proof requirements. Please offer me some advice and help me determine our next step to find a lender. He will cosign with me. Thanks more

Resolved Question: I am having a bunch of Credit problems and I need Credit today!?

I am a 24 yr/old small business owner and it seems I never get a brake! I just keep on jumping into "to-good-to-be-true" offers. I may not jump into to many, but when I do, they are big leaps, generally into, what seems like, a bottomless pit. I don't have much credit history, and what I do have is BAD! I started @ 18 by getting a credit card w/ a $600 limit. It wasn't bad, I was making the money, paying it off, then I lost my income. After the card was already maxed out! That was six years ago, so that means if I wait another year or 2 it will be off of my report all together. Well, you might say "problem solved"... but wait, there's more! I went to college, got a supplementary scholarship, my parents covered the rest, and then I hear that I am getting a "refund check". I thought that it was a refund because I got another scholarship somewhere that I applied for, but I was wrong. It was from the government and it was a loan. If I had realized that at that time, I would have put it in a bank in a cd account, but I didn't and then when it came time to pay it back, I didn't know what it was, so I brushed it of as one of the many mistakes that our government makes and ignored it. BIG MISTAKE! Up until now, I have made money through music, on basically a per contract basis. So, money came when it came. I ended up getting married and when my wife and I did our taxes together this year they took the money I owed. So that is paid off, and it's supposed to be off of my report by now. Now, here is the big problem! I own a business, a towing business, it's a very profitable business, if your trucks continue to work. Even more profitable if you have a tow lot. I make the majority of my money towing cars from A to B. I can't tap into the largest cash cow in the automotive industry, the government! In MA you need certain "towing rights" to tow for the city and/or state, also if you want to do "trespass towing" (parking lot tows). Now to my point, I have been having problems with my trucks (2 trucks) and I don't have a lot. A man approached me about his company named Vericomm, it's a merchant services company. He gave me the whole spiel on how they have the best rates around and there is no cost to cancel, no minimum charges required, no charges other than the lease (through MBF LEASING) and a statement fee, it all should have added up to $90 a month. Now that was all good and fine, but I wasn't getting enough people who wanted to pay by card to get it. So, he told me about something that made financial sense to me. He said that a week after I got the machine, whether I used it or not, I would be able to tap into up to a $150,000 advance, which was paid back by the use of the machine. A percentage would be taken out of every charge, and there would be little or no interest on the advance. He told me thatI was more likely to get about 30k to 50k on my 1st request. This seemed like a dream come true to me, because I could get my trucks in tip top shape and have a down payment for a lease on some property for a tow lot. I knew (and I still know) that if I had that available to me, I would make that money back in just a few short months. It turned out that, he pushed me passed all of the fine print, that said exactly the opposite of what he said. They ended up charging me over $140 a month and I then found out that the advance is only available to those who regularly bring in $10,000 a week for at least 4 weeks through their company before they would consider me for only $1,500. Well, I tried to explain my complaint to them and they ignored me and continued to charge my account. I ended up closing my account and now they are threatening to put in on my credit report (I am supposedly, personally liable for about $3,600 for my lease.) and/or take legal action if I don't resolve this in the next 24 hours. I feel like crap, my credit was just on it's way to getting better. Now my wife is ready to divorce me, my business is in shambles, I have a card machine that doesn't even work, and my credit report is about to get even worse! Does anyone know any companies that will give me credit today! And is it easier to get a business credit card w/ a personal guarantee, or is it easier to get a personal credit card! more

Resolved Question: Why did people go for the Joe the Plumber gimmick in the first place?

I understand the whole story of the innocent guy playing with his kid wanting to ask Obama why he is going to punish him for his success of buying a plumbing company and Obama using the phrase "spread the wealth", which sounds somewhat similar to "re-distribution of wealth". My confusion is that George W. Bush is not a socialist (at least he only gives to the rich), yet with the tanking economy, it is harder now than in the last 20 years to start a small business or survive as one. In other words, the most conservative president since Reagan presides over an economy that is unfriendly to anyone who wants to start a small businesses b/c they won't be able to get any of the necessary loans or credit. It seems that people want to speculate that Obama's policies would be bad for all of small businesses, yet while overlooking Bush's policies, which have been detrimental. Greg: the big 3 automakers are going out of business fast b/c they can't get loans. more

Resolved Question: Small start-up business loan?

I am thinking of starting a small business. I haven't done all the research yet but I think when I do, I'll find there is a market for my idea. If I do that, where can I borrow some money? I don't really have good credit. I think it's 625. I don't know how good or bad that is. But my work histroy is erratic. It's not really that erratic. I've been employed on and off at one place for five years. Mostly on, but with gaps. Right now I'm not there. Also the place I work, I get tips and I've never declared them, so I can't prove any kind of decent income. I've heard the government makes loans of this type. How do I find out about it and how do I qualify? I only need about $3,000 more

Resolved Question: How do I finance my small business with bad credit?

Looking to start up my own business, however I am going to need $1500 up front and have terrible credit. Any suggestions on grants or loans that are available to me? The loan would be payed back in 6 months. Thanks for your help! more

Voting Question: can i get $$$ to start a business if i filed Chapter 13 bankruptcy?

if anyone knows, can you give me info on where and how to get a business loan or grant to start a small entertainment business? i have no assets, no money in the bank, my credit history is shot and i just filed Chapter 13 bankruptcy. i know all of that sounds bad but i still have ambition and i still want to try to do SOMETHING with myself. i tried to go into business for myself with my savings but struck out the first 2 times. its a good business venture but i need the capital to keep at it and i dont have it. can someone give me some advice or info please? thanx in advance more

Resolved Question: How do I deal with angry perfectionist boss with unrealistic expectations?

I just got chewed a new one today, because one of my employees filled out his leave slip incorrectly and I submitted it. I am a first line boss who is new to the job (less than one month) and while I do understand that things should be done right, I don't think it was normal for her to chew me out because of a mistake as small and fixable as that. She went on and on about how much they are paying me, and how I need to read everything before I send it out (I did read the leave slip, but because I was new I didnt know it was wrong). She goes crazy and has ZERO tolerance for minute, unimportant mistakes that someone new to the job is bound to make Her thing if I make a mistake is to afterwards dramatize it and make it waaay bigger than it is and get upset and ask "WHY didn't you just ASK me?!?" I didn't ask her about the leave slip because I didn't know there was anything to ask. To make matters worse, I have even another supervisor and she is a maniacal, zero tolerance for imperfection, tyrannical B*itch as well, so I have two old dogs barking down my neck all the time. Oh yay! I guess I need to grow a thicker skin, b/c even thugh I know she can be dramatic and irrational about things, I end up taking it personally, like today and think on it for hours and hours and feel bad about it. The fact is, I am getting paid the best salary I have ever had, and I can't just quit cause I want to pay my credit card and student loan debts so that my husband and I can afford to start a family and I will be able to stay home in a couple of years. Plus I am convinced that if I do go somewhere else, there may be some other nasty boss or something unpleasant waiting for me there. I want to be my own boss but part of the money I am paying back is for a loan for a past failed business so I don't have the extra income to pursue it at this time. I have always on very job has a nasty boss and I haven't grown a thick skin yet, it still hurts my feelings when they yell or get angry with me. How do I deal with this , not go crazy or develop an ulcer and blow off steam until my bills are paid up and I can get out of there?I definitely take total responsibility for my mistakes and I DO promise to not make the same mistake again. I can see getting angry if I mad the same mistake over and over, but it was my first time and I learned by trial and error. I will be sure to ask her PLENTY of questions in the future about EVERYTHING. No one wants to ask her questions because she gets impatient and nasty when you DO ask as well. more

Resolved Question: Rebuilding Credit Rating?

Well as a teenager I went into debt, At the end of this year ill be out of debt with every bill paid as well as my bad records wiped. Should i get a small loan to add a positive record onto my credit rating? I have no debt, a secure job and disposable income The loan id either use for a overseas holiday or a really nice computer, possibly, only tiny, starting a small business I fail at saving, so its not really a option for now, id rather have debts to pay off and they are all 0 now. Thank you ~ Katash more

Resolved Question: If not Gordon Brown who?

This global financial mess started in America and in the last month the American government has made several catastrophic errors which have made a bad situation worse. 1. Allowing Lehman Brothers to go bust 2. Buying up toxic debts without understanding how much was required. 3. Dithering on the bailout plan This has lead to banks refusing to lend each other money as their dont know if they will get it back. This has lead to small business and homeowners not being able to get credit thus going out of business or failing to pay their home loans making the problem worse and a long term recession looking likely. What Gordon has done is buy shares at a very low rate and put certain conditions in place to ensure that money gets back into the economy. When thses shares recover we make a profit and reduce the national debt. His plan has been followed in Europe and finally by the US - without this more banks would have been nationalised and we would be looking at an unprecidented global depression that would have taken years to come out of. Politicians and Economist (including Nobel Prize winners) the world over are hailing him as saviour of the finanical world. Strange that some people on here still dont trust his handling of economy - my question would be who do you trust? more

Voting Question: In the next six months we are opening a franchise and in the process of clearing up poor credit?

I and my partner are looking to open a franchise in the next six months and in the process of clearing up the rest of our credit along with saving six months for capital but we will need a loan under a new corporation. We are wondering due to the crisis if we should wait for a year after the dust settles or will the six months lenders might be more agreeable to loan for small business. Even though the financial crisis may clear up it is evident we are heading to a recession in which it might be better to stay at the old job or try for a higher paying job. My partner and i consider the franchise as recession proof and we are able to save until we open but we definately will need a loan to be able to open without piercing the corporate veil! I understand it may take 1 year to two years for a bank to look at you for a large loan but we are just looking for start up to go with our capital. We are applying for the corporation and credit clean up is definately in the works for our score but a little worried that we may have to wait indefinate for a loan. Any suggestions? I saw in the other emails bad loan.com may not be the thing to use after the financial crisis so we are wondering besides borrowing and saving ( no home sorry!!) what else can be done. Will the late for small business be long? By the way what exactly is a credit line for small business what is it used for ? is it the same as money? more

Resolved Question: Are people confused about what the bailout means? ?

Although the source of the problem came from Wall Street and poor mortgage decisions by unqualified home buyers, it now a American public problem. It has an adverse effect on EVERYONE. The problem is that banks are unwilling to lend money to businesses because they need to keep liquid cash on their books to remain solvent due to the bad mortgages they are holding. When banks are reluctant to lend money, small businesses who often use short-term loans to make payroll, research & design, market, transport, etc. cannot get the funds they need to stay in business. As this occurs, jobs are eliminated and/or these businesses fail completely raising the unemployment rate and overall economic hardship for everyone. Anyone looking to punish Wall Street is misguided because only the behemoth corporations will be able to get the bridge loans needed to keep going. They will survive, it is the average small business owner (who creates the vast majority of US jobs) that will be hurt the worst. Also, interest rates for new mortgages to qualified borrowers will go up, further pushing the housing market down and creating even more defaulted mortgages. A snowball effect occurs and credit markets get even tighter and more businesses fail. Unemployment will be rising, while the number of new jobs for the unemployed to fill will be getting smaller. As unemployment continues to rise, households will be left without incomes and begin to default on other lines of credit such as car loans and credit cards. Again, the snowball continues. Since disposable income will decrease because of the unemployment numbers, the economy will continue to suffer because people will start to hoard cash instead of fueling the economy with spending. More businesses will fail, and so on. People not in the work force with retirement savings will find their portfolio values decimated, perhaps postponing retirement or making it impossible altogether. Again, creating an influx of people into the job market where there are no jobs available. Anyone in Main Street USA who does not believe this will not affect them are naive. the Wall Street you are mad at has already failed and has been restructured. Get over it.The bill includes: Periodic payments, not a $700 lump sum. Congressional oversight of the Treasuries' actions. A bump of FDIC from $100,000 to $250,000. Elimination of golden parachutes. Taxpayer equity (ownership) in participating companies with preferential debt recovery/profit going the taxpayer vice shareholders. A tentative timeline for government removal from the market. Myths: Its a blank check, there is no oversight/puts one man in charge, etc., credit is not important to the US economy and veryone should pay cash. Wall Street will be the only one to suffer. It will pay irresponsible homeowners' mortgages. It doesn't help the average American. Government involvement harms the free market (history has shown that government is sometimes necessary. ie the Great Depression).Also included: An insurance option to back the questionable securities giving them marketability and more easily obtained market value.Keep in mind, there is a consensus that tighter regulation must be passed, but due to time sensitivity it will be addressed at length after the bailout. more

Resolved Question: When the uber rich mortgage bankers make bad loans why should innocent taxpayers pay for the deceit and greed?

Mortgage Bankers of America started this with adjustable rate mortgages. Another ponzi scheme where the small time suckers get left holding the bag. It started around 1984. This collosal bailout will only delay the inevitable. Obama has more links with this than does McCain. Beware. Dallas school district announced emergency situation today. Teachers will be laid off, nurses will be laid off. Without credit to meet payrolls, millions and millions will get laid off. They you can call it a Depression. Awesome unemployment is the next step after the banks close or shrink. Credits lines freeze up and business shut the doors. They cannot make the payroll. The U.S. Congress sat on their hands and did nothing. Now they will all vote for a bailout but they really do not understand what the hell they are doing. Those suckers were in on this bank robbery and looked the other way. Welcome to Hell compliments of the U.S. Congress.The congress should do the honorable thing. The most common form of seppuku or "hari kari" for men was composed of the cutting of the abdomen, and when the samurai was finished, he stretched out his neck for an assistant to decapitate him. Since the main point of the act was to restore or protect one's honor. more

Resolved Question: Is this huge bank bailout going to hurt the Republicans?

The banks took risks by providing bad loans and mortgages to people who shouldn't have bought homes or loaded up on credit cards. The banks made huge profits and kept all the money for themselves or their CEOs. Yet when their risky ventures turn against them, the government comes along and bails them out with our money. These CEOS made huge amounts of money (stock options, bonuses, golden parachutes etc) regardless of how they performed. Why can you, I or small business owners get bailed out if our mortgage, credit card debt, bad stock investments, or small business starts failing? Will this massive bailout hurt the Republicans? Will it hurt the Democrats and their do-nothing congress? more

Resolved Question: HELP! Salary the same or declining despite experience and additional skills..?

I don't know what's going on.. Here's a basic summary. I'm originally from the Northern Virginia area. I started my first job when I was about 14, part-time working at a tanning salon cleaning tanning beds. (Glamorous, right? Hey, I was 14 and didn't care, I just wanted some pocket money for the cinema!) After that, I worked at my dad's office answering telephones, running errands etc. When I was 17, I started waiting tables part time and working at a mortgage company part time as a receptionist and putting information in on loan applications.. I was making about $10 an hour, entry-level. I did this until I was about 19. After that, I did some work in basic procurement for the government, U.S. department of the interior.. I got paid about $15 an hour there and worked for two years. When I was 21, I moved to Philadelphia.. That's when it started going downhill.. For a long time I couldn't find ANY work. When I did, out of desperation, I took whatever pay I was offered, which wasn't much. I started working as an administrative assistant and temping for about $10-12 an hour WITHOUT benefits. Less than I got in Virginia and as much as I had without any experience. Fast forward a few years. I'm 25 now and turning 26 this week. In the past few years I've progressed from receptionist, to administrative assistant, to executive assistant and office manager. I've basically ran the whole office but my highest salary now has been $14. I have a college degree (bachelors in business administration with a minor in humanities) and about 8 years of experience in what I do. I come to work everyday, I'm well liked, dependable, loyal, score in the top levels of any testing done at temp agencies as far as typing, MS Office skills, etc. I write fantastic letters, have written up HR documents, done hiring, firing, warning letters, made spreadsheets, bookkeeping, I know QuickBooks, created PowerPoint presentations, went to conferences, trade shows, done nearly all the business correspondence for my bosses, done procurement, worked directly with clients, created marketing campaigns, designed post cards, brochures, mailers, updated websites, excellent at troubleshooting, basic computer repair, customers love me, well-versed in any manner of things around the office.. Basically, I'm a Jill of all trades. So why am I not getting PAID more? I go on interviews and everyone is wanting to pay less than $30k a year, usually with no benefits. Needless to say, I'm struggling financially and the lack of health care or any money going into retirement is a big weight on my shoulders. My one friend back in Northern VA with NO college and less experience, (and she even says she's not as smart as me, which is mean, but she's not generally as well-read, that's true, I wouldn't say "smarter"), recently got an entry-level job in HR with no experience and is being paid 45k. My little sister who also had no experience got hired for a dentist's office as an assistant and is getting paid the same as me. I don't get it.. I'm really getting frustrated. I need to make more money. I am looking into going back to college to get a different degree in the future, but how can I up my earning potential? I've already tried taking additional classes in QuickBooks, Excel formulas, etc.. I'm just really disheartened. My husband gets annoyed that I come back miserable from every interview.. I feel totally devalued. I'm torn between being insulted at being offered $10-12 with no benefits and needing the money. I feel like I'm in a vacuum where I'll never escape. I don't want to be 30 and making under 30k, it's a joke! Is it common nowadays to earn less even with more experience? HELP! I'm also worried about my resume. It is starting to look shady with my work history. I've worked two places in the past twelve months. The first one was an IT company where I worked as an office manager for a year and then I had to be let go due to financial reasons where they had the operations manager do double duty. The other place I worked as an office manager for a small construction company. That woman almost went bankrupt due to having too many credit card bills and not enough customers coming in. She let me go so she could hire her daughter who needed a job. The economy is so bad around here and I'm struggling to find a job to pay the bills. I'm just worried about my recent job history and how people will perceive it. I'm also worried if I keep taking low paying jobs, if I'll ever get a job that pays me enough because they always ask how much you got at your LAST job and base salary from there. I don't want to LIE even though many do as far as salary but I have to work! more

Resolved Question: I would like to start a small business.?

I have bad credit and no money, does anyone know where I could get a loan or find private investors that would be willing to help me? I need about 40,000. more

Resolved Question: If I have bad credit?

Will it be impossible for me to get a small business loan? Then how can I get some start-up money? more

Resolved Question: Where is the best place to get a small home loan with very bad credit in Kansas/Missouri ?

My family and I fell on hard times when my husband was diagnosed with a un removable brain tumor (though not cancer) and lost his job in 2003. Technically he is unable to work due to problems associated with the tumor, but disability says that he's not so bad off he can't work. He's tried to find many jobs and even applied to places like burger king, walmart and mcdonalds and was unable to be hired. I worked two jobs but couldn't pay the $1000 mortgage and so we sold the house we had for less than it was worth to a company who kept it from being in foreclosure and on our credit. Still we were paying off credit card bills through Credit consolidation and I couldn't pay them anymore. We have around $10k in cc debt following us around at the moment. A run down trailer was given to us and we have been here for the past three years but it is falling apart and we can't stay here due to sanitary issues. I have two small little girls and they are begging to stay with grandparents to get out of this place. Simple fact is we must move! My husband and I have started our own businesses and make enough to pay a small mortgage fee so we are looking for a house in KS or MO for around 40,000.00 or less that needs some fixing up. I don't know of a place that will help us with our credit as horrible as it is. Any suggestions for places to help us get a small home loan on horrible credit is more than appreciated. more

Resolved Question: I need a small business loan with really bad credit. Is this possible?

I have read all of the other questions in this category all answers are about the same. Have done some research but serious about needing a loan with bad credit. Bring in $70,000 a yr from job that will be kept!! Need aproximatley $5,000 to $10,000 to start business that I know will take off! The only problem is I have seriously bad credit. No collateral. I know this sounds far fetched, but is it possible? All bad credit is from medical bills or little things. more

Resolved Question: How can I get a loan to pay off bad debt?

My credit score is 532 and I am about $6,000 in debt (maybe less). I want to start a business, but I know my bad credit is going to hinder me from doing that. It's not really possibly to save money because I am living paycheck to paycheck. How can I get a small loan to pay these debts off?Thanks Dave, but I can't get a second job...I already work full-time and I'm in school full-time all year around. more

Resolved Question: how to get funding for a small business?

I live in Houston and would like to start a small cleaning service. I have heard that the goverment gives grants for this type of thing. Does anyone know how to get these funds? Also does anyone know of a company willing to give a business loan up to 4-5 grand to someone with bad credit and if so what does one have to present to the company? more

Resolved Question: I need some small business advice, I am starting a small business?

I have a website and sell quality products. However I am not driving too many customers to my site. I have a lot of ideas to get customers. The problem is that I don't have the money to get this ideas rolling. I have bad credit and can not get a small business loan. How can I get the money to get my marketing ideas and plans off the drawing board? Does anyone know of free or cheap on-line marketing opportunities? Thanks in advance. more

Resolved Question: I need a $50,000 small business startup loan, but I have bad or unestablished credit.?

I work for a landscaping/sweeping company and my boss asked if I'd like to buy out the sweeping part of the business for $50000, thats including all 15 commercial contracts that he has right now with about 10 other contracts within the year and 2 brand new $40000 sweeper trucks . I basicaly run the business, but I need a startup loan to officiate that.The main reason he is selling is with soaring gas prices and my boss starting up a bar and running landscaping/sweeping he needs to gain more sweeping contracts which equals more time which he doesnt really have time for. If anyone can give me some advice or even help Id greatly appreciate it. more

Resolved Question: Edit my report for me please?

What Are the Causes and Effects of the Great Depression? The Great Depression has affected the United Sates in many ways and has caused a loss that we can never fully recover from. It was gap in U.S. history that had cost us many lives and jobs. The depression began in late 1929 and lasted for about a decade. The 1920’s or “The Roaring Twenties” played a big role in causes of the great depression. The 1920’s were a time of peace and great prosperity. After World War I, the “Roaring Twenties” was fueled by increased industrialization and new technologies, such as the radio and the automobile. Air flight was also becoming widespread, as well. The economy benefited greatly from the new life changing technologies. As the stock market soared, many investors quickly snapped up shares. Stocks were seen as extremely safe by most economists, due to the powerful 1920s boom. Investors soon purchased stock on margin. Margin is the borrowing of stock for the purpose of getting profit. If a stock drops too much, a margin holder could lose all of their money and owe their broker money as well. From 1921 to 1929, the stocks rocketed. Millionaires were created instantly. Soon stock market trading became America’s favorite pastime as investors bought stocks to make a quick profit. Investors mortgaged their homes, and foolishly invested their life savings in hot stocks, such as Ford and RCA. To the average investor, stocks were a sure thing. Few people actually studied the fundamentals of the companies they invested in. Thousands of fraud companies were formed to trick uneducated investors. Most investors never even thought a crash was possible. To them, the stock market “always went up”. By 1929 the stock market reached its all time high and investors were buying stocks by the dozen. Then all of a sudden prices started lowering. All investors sold their stock buy no one wanted to buy. This one day had caused a decade of Depression. The causes of the Great Depression In 1929 a panic on the New York stock Exchange introduced a mouth dropping effect. The stock market that had been giving everyone the profit they wanted collapsed. Several events that occurred before 1929 caused this to happen on a long term basis. During the roaring twenties everyone was prospering and making profit. The manufacturers were trying to sell there products to as much financial groups as possible, but they were unable to lower there prices so the poor can buy there products. (Lamb, Annette 2008). The government came out with the process of credit. It worked by a person buying a product over time paying a monthly bill. For example, if someone wanted to buy a washing machine that cost $500 but they only had $100. They would pay there $100 and then pay a certain amount every month till the washing machine was paid off. The government also charged the buyers more than the product actually cost in stores, so in the end they wound up paying more than the original price. This process put many Americans in debt. In record almost every American spent 75% of there yearly income on consumer goods. (Lamb, Annette 2008). When Americans put more on credit than they could afford they went into debt. This happened to many Americans making the nations total go down and causing a worldwide problem. The short term reason for the stock market crash of 1929 was the middleclass people getting into the stock market. Middle income people started buying stocks on margin in order to get themselves in on the economic boom the U.S. was having during the roaring twenties. At that time there were soaring prices for stocks. People paid a small percentage of a stock's price as down payment and borrowed the rest from a stockbroker. (Lamb, Annette 2008) The system worked well as long as stock prices were rising. If they fell, however, investors would have no money to pay off the loan. In September 1929, some investors began to think that stock prices became too high. They started selling their stocks, believing prices would soon go down. By Tuesday October 24, the gradual lowering of stock prices had become an all out slide downward. A panic resulted. Everyone wanted to sell stocks, and no one wanted to buy. Prices plunged to a new low on Tuesday October 29. A record 16 million stocks were sold. Then what Americans thought could never happen, the stock market collapsed. The effects of the Great Depression The Great Depression affected not only the people but the country as well. International trade and industrial production dropped sharply right after the stock market crash of 1929. Wages shrank, unemployment rose, and widespread misery proved that something was wrong with the economic system. The whole world felt the impact of this tragedy but Americans suffered it the worst. (Slee, Tom 2008) What people in America noticed almost instantly about the Depression was the reduction of their incomes. In addition to millions of wage earners who were thrown out of work entirely, millions more became part-time laborers. Even those who kept full-time jobs often had to accept a reduction in wages. (Slee, Tom 2008) In addition to the cut wages the Depression also affected international trade and manufacturing which shrank rapidly and filled many people with apprehension. In 1929 the estimated value of United States imports and exports had reached almost ten billion dollars. (Mandel, William 2008). By 1933 the value had dropped to three billion. Furthermore, American industrial output was cut in half. This had a big affect on the United States because most of there exports were used by the government to pay bills. With all the people taking there money out the bank to try and recover their savings, the banks went bankrupt. Thousands of banks were forced to close as a result of this. Business owners also suffered from the Depression. With there bills and debt rising they were no longer able to pay there workers or buy their products, and were forced to fire many workers. (Mandel, William 2008). It was hard to find affordable materials and eventually many businesses had no choice but to close. The dislocation of trade and industry, the falling prices, and the rising unemployment that came with the Depression forced statesmen and economists to seek remedies. But the experts could not agree in what was wrong or what measures would prove most effective in restoring the U.S economy. The solution to this problem would soon come. (Mandel, William 2008). During the 1930s the government was providing weapons, tanks and other much needed necessities to Great Britain under the lend-lease act. This was a pre-start to the coming war effort. In 1939 when America was hit at Pearl Harbor, World War Two struck out. Many Americans enlisted to go to war in order to get money and start a new life for there families. (Mandel, William 2008). With all the needed supplies for the war, the government hired people in factories to make weapons, munitions, tanks, airplanes and any other supplies needed for war. This was a big opportunity for unemployed people and many took the job as factory workers. As the unemployment rate was lowering so was American debt. (Mandel, William 2008). With people getting money and paying off there bills, they were able to buy everyday items to keep them going. This cycle opened many more businesses and eventually pulled the United States economy out of the Great Depression.ok well this is my social studies report on the causes and effects of the great depression. it is split into three parts. the first is the introduction and explains what led up to the great depression. the second is the causes and the third is the effects. i just need you just to edit my grammar and punctuation and im good. also i still need a conclusion if you can help me with that. :)ohh yea and the names with parenthesis and years are just giving credit to the sources i used. don't ask my teachers made me do it....i did this all in like a night and i think i deserve to get it edited for all the work i went though. and i suck at grammar so i cant edit it myself. more

Resolved Question: Where can I find credit applications for starting a small business w/o using my personal info as credit is bad

looking to start my own business. I've heard that I should not use my personal info for credit and financing, but rather get business credit. Any suggestions for websites? Also, I remember seeing a spot on TV about a website where people looking to invest or loan $ to entrepreneurs could bid on your business...kind of like eBay for loans,grants, investments. Know what it is? more

Resolved Question: Questions of starting a business.?

I'm trying to start a business in clothing, but do not have the funds, so I thought about taking out a small business loan, but my credit is bad because of school......Can someone please give me some info on what to do? more

Resolved Question: How do i get a loan with bad credit?

I'm starting a small business selling gift items but i need capital in order to launch it. My credit is terrible. Who would give me a chance by loaning me money? more

Resolved Question: are there any reputable lenders for a bad credit small business start up loan?

Resolved Question: Can i apply for a small business loan to become a owner operator ( Truck Driver ) I have 23 yrs experince .?

I have a low credit score , bad driving record (moving voilations , no accidents ) Looking to own my own truck to start my own business . I've been driving trucks Over the road and locally for 23 yrs always a company driver . I'd like to venture out on my own , more

Resolved Question: $300k small business loan... Pipe dream or possible?

I have a golden opportunity to buy an existing profitable business, the owner is moving to be closer to family, and doesn't want to sell to just anyone. I don't have bad credit, but I don't have much established credit either. I'm in grad school right now for an MBA and want to pounce on this chance. I have managed to pay off my undergrad student loans that were in my name already, so that should count for something right? I don't know if the SBA would even think about loaning me my half in order to make the deal happen (I'd be going in 50/50 with a partner). I won't say what the business is, but I/we do have experience in the industry, and like I said, I'm going for an MBA, so it's not like we're two bums off the street starting up something from scratch. It's more like two guys who already know what they're doing continuing to run an existing and profitable business. Possible, or pipe dream? (I know, $300,000 is a LOT of money) more

Resolved Question: I have a great buisness how do i get loans or grants with bad credit?

I have a great business idea have researched and found wholesale suppliers for great quality and extremely cheap price. I have started selling what few Items i can afford on ebay but problem is with out the inventory to keep people coming back it will not take off and alow me to expand to a website and ideally a local supply store. I am looking for help finding a small business loan or grant, I have extreamly poor credit so not sure about how to about this. more

Resolved Question: trying to start a small business but don't have any funds to start with. credit is bad.?

want to own my own business. Been in the restaurant industry for years, so i have the managerial skills to operate my own business. however donot have the money and have bad credit. can I still get a loan or something with the SBA? This is my passion so I need all the help I can get. also looking for a business plan template for a restaurant or donut shop. My plans are awesom for my own little restaurant but at the same time i wanted to try to franchise with this one particular donut shop. Can anyone help me with any or all the information I need. Are there any organizations that help people like myself with nothing to invest with and bad credit? more

Resolved Question: how to get a business loan wih bad credit?

I'm looking for information on getting a loan to start a small business. I used to have a partner, but he has since left the business. Any information on this would be of great help. I currently have bad credit, but i do not have enough debt to be anywhere near bankruptcy. The business is a Web Development, Video production, and music production. I don't need the loan for software as we started the business, but he took all the hardware and that is where the loan comes in. anyone that has any information on this please contact me. Charlessomeone asked what the exact situation between me an my partner was. We were setup as two independent freelance workers. He contributed the hardware(computers, cameras) I own and purchased the software(3d applications, Web Development tools). I do have a business plan, the only problem is I won't be able to use a lot of the software I have due to my personal hardware not meeting requirements, and the make the situation worst, I'm kind of on a deadline because I do have a couple clients, but I don't want to take a deposit until I officially have all the setup working and running properly(which takes time as well). Please do no post scams, I'm not an idoit! more

Resolved Question: need small loan or grant to start business?

bad credit need grant how do i go about getting one more

Resolved Question: I want a loan to make money. Small business loans/credit cards for ppl with bad credit? Exponential growth?

My house was robbed and all my jewellery and money stolen a couple of years ago. I was about to run a small home business with the money and assets i had saved doing security work. As I didnt have insurance, I got into debt and had to move so I didnt get hit again. Now I have bad credit, is there anyway I can get a loan with bad credit??? I only need a small credit card to help me juggle things. I am now trying to run a business again, but dont nearly have the start or the credit ratings as i previously did, I am still a student and was hoping to run a business in my part-time. I am still making about 50-100% profit per month turnover from my money and business. With this type of turnover even a small loan of 1-2k would grow my business exponentially. Even 10-20% p.a would be nothing for me to juggle around. I know it takes money to make money but I cant seem to get over that 1k-2k hill to start my business growing exponentially. Any tips other than saving or selling my assets? more

Resolved Question: Need small business bad credit loan....no collateral...anyone??

I am in need of a small business loan to help with start up. I am just looking for $10000. This would help with lease securement and cash. I think I will have someone to help with the larger and more long term financing needs, but I am in need of a small loan quick. I don't want to lose my lease prospect. I can submit to you a business plan. I am willing to pay a higher interest rate due to my personal credit. I just need someone to believe in my venture other than me, and for someone to overlook my credit and past personal mistakes and to believe in my future. I thank anyone who takes the time to answer my request. more

Resolved Question: How do I get a loan from the bank to start a small business if my credit is bad???

Im in school for Massage Therapy, I would like to get a loan to buy different things to start a Massage Therapy business in my home. I things like tables, oils, chairs, uniforms, supplies.....everything. I would also like to remodel my basement for this business. I want to create a waiting room, and 2 treatment rooms. more

Resolved Question: How much will my personal credit affect my opening a small business?

I have bad credit right now. If I open a small business, a little internet cafe, and I don't need a loan to start, will that matter? more

Resolved Question: What is the best way for me to obtain a small business loan?

I would like to start my own business. The start-up cost is about $15000 and I have bad credit. What route can I take on obtaining this amount of money? Any suggestions would be greatly appreciated. more