If you were approached by someone and they expressed their need to borrow a chunk of money from you, what would be the first thing that runs through your mind? I may stop and think about who it is I’m talking to, what they need the money for and most importantly, will I see that money come back to me? If this person is known to ask for money with little to no chance or returning what they borrowed, I would lying if I said I might just lend the cash. I’m not a financial institution nor am I a cash advance lender, but I like to think about someone’s credit worthiness before I hand out my hardworking money.Emergencies are thrown upon us and if there is no cash to cover the costs, it can send a person into a panic for quick money. Someone’s creditworthiness is more than just a creditor’s opinion. I know a few people who go to friends and family looking for a handout. It is always presented as a request for an emergency loan, but knowing who they are and how other “loans” turned out, it is not unjustified to think that lending money to people like this is interpreted as a “hand out”. It definitely is a hard decision when it concerns a family member or a personal friend. Relationships are strained and tensions build. An online cash advance lender will not pry into credit history, but they will learn whatever they can about the applicant through healthy bank accounts. Once creditworthiness is determined, the applicant will receive their answer.Creditworthiness is defined as the ability to meet debt obligations. Individuals and companies are ranked by creditors using credit scores and history to determine their ability to pay back debt. Credit behaviors are watched closely. Does a person payoff one type of debt and let others slide?? Are there certain times of the month in which dedicated money is spent elsewhere? Offering someone a personal loan knowing that the bankruptcy has been discussed may not be on your best interest unless of course you have money to spare. Personal loans may have an advantage by knowing inside information to the borrower’s finances. They may also have a disadvantage if the borrower is not upfront about all their prior debt. So many varying factors involved:*Is there a medical emergency?*Does the person have a side job which supports income that is not reported?*Are there other people helping?*Has the person relied upon cash advances or payday loans?*How many other individuals are owed money?Creditors have access to lots of information, but will not be aware of short-term loan usage unless it is reported as a default loan by a collections agent. The cash advance lender will only utilize a bank statement to determine creditworthiness. A friend or family member may or may not know more than a creditor. Money relationships sure do get tricky. If you are thinking about lending money, have a Plan B ready to revive your own bank accounts if you do not receive on-time payments or if the loan goes into default. Professional lenders have all the terms and conditions laid out in the contract. It never hurts to plan for the worst in order to protect your own creditworthiness.
What is a Solid E-Commerce Solution?
A look at e-commerce platforms Part VSince the birth of the electronic commerce models of the 1980′s there has been a staggering drive towards the marketing and retailing industries that have surpassed anyone’s expectation. With a multitude of different businesses that now rush to conduct their business on the great Internet superhighway, also come a huge number of obstacles. These obstacles challenge the many companies that thrive to create the perfect combination of answers to differing business models.To begin developing a solution to any obstacle, it has to be closely analyzed to ensure that the solution completely remedies the situation. Some companies opt to specialize in certain areas in order to avoid being overwhelmed by too many of these obstacles. Still other companies find the necessary combination of specialists to devise the solution to many of the problems and develop a solution for a wider issue.By narrowing the amount of business models to work with, focus is also sharpened to a less cluttered field, thus, allowing the developers to concentrate on the core solution to the problem but also limiting the distractions to others. The e-commerce industry as it is today, requires a wider approach to resolve issues that arise on a daily basis but also needs companies that include the client in this resolution. Every day the call for newer, faster, and more complex problems arises in each area of the industry. To start tackling these there are many things that an e-commerce service provider must take into account.The business modelWhen finding a solution to a vendor’s problem, the point that should be addressed is the identification of the individual business model. By identifying the business model there are so many questions that are answered and this narrows complications that can arise. The approach to a specific business model differs between businesses and in order to tailor the solution to the client the approach itself will be unique. This is also the first step with many service providers to give the client an impression of the customer service that they can expect.While talking to the perspective client, be informative and most of all know your product and services. There is nothing that turns a potential client to a competitor as a customer service representative that does not know the services. In order to appeal to the client, you most know in detail the array of services that you can offer and how they will benefit them. This impresses people and they tend to listen longer giving you more time to show case how your services can help. Ensure that your delivery is very clear and well spoken and free of idioms and localized phrases some can be misunderstood and even in some places offending.The CompetitorsWhile gathering the information from the vendor, be able to discuss business with a similar business model and the benefits that they will receive. Discuss direct and indirect competitors and what they are doing for their business. All of the information that can be used to understand the vendor’s competition will help to provide the most comprehensive solution for their e-commerce business.The E-Commerce PlatformWith the information in hand a complete platform can be compiled to specifically resolve the requirements and needs of the vendor. There is no one fix for all but a customized and personalized solution. This platform should include complete features to cover payment methods and options, promotional tools, security and guarantees for protection, and the personalized customer service that will prove to be extremely beneficial.This is only a short list of the many features available from the leading providers but it is meant to raise awareness of what is needed to effectively and successfully compete in today’s market. To find a complete and comprehensive e-commerce solution for your e-business, research all of these features and fit them you’re your business model. The e-commerce platform that provides you with the features for your business is the “Solid E-Commerce Solution” for you.
From a Corporate Slave to Building an Online Business – How to Make the Big Leap
The world wide web has indeed become the hub of multi-millionaires whose main income is through Online Marketing. The genius of working online is not limited to your background education, age and your social status, or even your geographical location. The internet provides everyone with equal chances of succeeding and making it big time. I know a lot of people who are younger than me (and most of them are college dropout or people with humble beginnings) and yet they have a bank account with huge earnings like that of Donald Trump. Who would have thought that even a high school student has now equal chances of making money online as that one who graduated with a Masters degree? What a funny world we live in. But surprised as you may be, this is after all the information age – the one who has the information is always going to be ahead of the game and will get rich faster. Donald Trump has built his business empire for years (with sweat and tears). The good news for us is we can do the same with less the sweat and tears and with less amount of time (and just counting months to see the $ instead of years!). Don’t ever think that working online is just a piece of cake. It is not what others made you to believe. It is not as easy as a-b-c! But it is indeed more simple than slaving yourself in the corporate world.So how can you jump-start your online business while you still have that 9-5 job? What is the best game plan? First, evaluate how many hours you can spare a week for online marketing. It could be 4-8 hours a week. It is up to you. You can work at your own pace (as long as you are consistent). The second step is to find a business model for your online business. It is important that you follow one business model until you succeed. Don’t stop until you have not done everything in the blueprint. If during the process you feel that the business model is not suitable for you, just continue and finish it anyway. The biggest mistake that an aspiring online marketer can make is jumping from one program to another – hoping for the easiest and quickest way to make money online. Trust me, I have been there and done that and failed miserably. Don’t make the same mistake I made of chasing the next big thing and wasting a year of my career online reading and learning what is supposed to be the best business model out there and not taking ACTION. As they say, the most common newbie sickness is paralysis due to over-analysis.Now how would you know if you have the right business model? We all know for a fact that the internet is full of scammers and crappy programs. My advice is for you to do your research well. Join internet marketing forums such as the Warrior Forum (WarriorForum.com). The Warrior Forum for me is the best forum there is for online marketers. Everything you need to learn about internet marketing is laid out on you and you can ask questions and find answers as well. Just make sure you go through the thread first as your question might have already been asked and answered before. The best thing about making money online is there are a whole lot of options to choose from depending on your skills. You are not limited with only one business idea. There are a lot of good online business models you can choose from. Don’t spend so much time finding the “best” business model or the “best” program as this could begin your journey to the island of the lost newbies. Pick one model and get on with it right away. Don’t look back until you have finished what is laid out in the plan. Once you are done, then you can go ahead and find another business model if you are not satisfied with the first one, or if you simply want to add another source of income. Again, one business model at a time. You can rinse and repeat afterward to multiply your income.Once you are earning a decent amount of money on the internet (i.e. income online is now greater than your corporate salary), you may opt to say goodbye to your 9-5 job. Just imagine how life could be different for you if you can work at your own pace. You can work as little as 1 hour a day and still reap the benefit of your effort. This is what you call business on auto pilot. You don’t have to be there 24/7 to earn the money. That is why they say you can earn money while you sleep – literally. But then again, don’t ever think that making money online can make your rich overnight. Treat this as a real business and I guarantee that you will be on your way to financial freedom. Now get started and take ACTION.