There is a NEW financial claim which is set to sweep across the UK! It has been discovered that many finance and credit agreements signed before April 2007 have been written in such a way that they breach the terms of the 1974 Consumer Credit Act and this makes them unenforceable agreements. It is possible to have any agreement you have ‘audited’ by a solicitor to check the contract to see if it complies with the 1974 Act or whether it is, in fact an unenforceable agreement. If is does not you can apply to your lender to have the whole balance written off. I have done it and I know it works! So how is it possible? (more…)

Not since the great depression of 1929 have we seen such a financial crisis, and frankly, the lack of national leadership that we are experiencing now. Banks are failing overnight, Wall Street greed and the chase after quick money has finally caused this country to grind to a financial halt. All Americans are worried now — from those with money, wondering how much their nest eggs will shrink, to those who need the money in their bank account just to live each month. My guess is that a majority of Americans, especially those of us over 40, are worried about simply making ends meet month to month. The challenge of whether to pay the car insurance, make the car payment, or simply buy food for the family, becomes a trade-off every month. (more…)

In the weeks it took for the global recession to turn from an alien concept to a reality for millions of households and businesses throughout the UK, the amount of coverage given to ‘Green’ issues would suggest a significant change in the public perception.

Environmental issues have long been greeted with anything from malaise to contempt in the popular press as journalists try and find new angles on a very simple hypothesis- ‘we are destroying our planet’. Indeed an emerging optimistic argument would suggest that the earth is in a voluntary cycle of warming and humans are flattering themselves by thinking they can make a difference- one way or the other. (more…)

No matter what the economic climate there are always challenges associated with starting a new dollar store business. Today’s tough economic times just create a unique set of challenges. These special challenges must be recognized and then addressed as a part of researching and preparing to start your business. In many cases the solutions of years gone by won’t be best for today. It’s just a matter of recognizing the shifts that must be made and them implementing them. In this article I present opening a dollar store during tough economic times. (more…)

The practical overview in this article will describe some useful small business loan resources which should be evaluated by business owners as part of a systematic process for obtaining working capital financing and commercial loans. To locate any site referred to in this article, commercial borrowers should either contact the author directly or use a leading internet search engine. All of the suggested business finance resources are free and available online.

Small business loans have always been more complicated than realized by most business owners. A prudent approach to working capital financing and commercial loans is becoming more difficult for most commercial borrowers. Recent commercial financing uncertainties involving commercial mortgages and SBA loans have added significantly to the complexity of the entire commercial lending process. (more…)