Are Business Buyer Notes Profitable?

Like anything else, it depends on the type of business you’re selling. Business buyer notes are documents secured by a business, much like a mortgage broker except there is no real estate involved. Often, personal property like cooking equipment, furniture, and office equipment obligates one individual or company to make payments, usually monthly, to another person or company. Businesses are sold without the help of bank financing; this makes it much easier for a person to buy a business with a small down payment. Because the down payment is small, most banks will not finance the remaining balance, so the seller {owner} agrees to hold a “note” on the remaining balance for the buyer. This is called seller-financing or owner-financing. The buyer then agrees to pay the seller a monthly payment. The person holding the note however does not want to wait that long to receive all the money from the business, so he or she looks for a someone to buy all or part of the note being held.

Business buyer notes can be a good asset because the holder of the note can get cash in hand from an interested buyer and there are a lot of company’s willing to buy business notes. The note holder may choose to sell all or part of the note and receive a lump sum for the cash he or she needs to pay off bills, go on vacation, or to buy another business, while still receiving monthly payments from the one who bought the business. The holder may also want to sell the note to get out from under the responsibility of the business. Most business owners really don’t want to be note holders but in order to sell the business quickly the note was agreed upon. A drawback to being a business note buyer is when future payments are sold for cash, the current balance is always sold at a discount. The reasons behind this is time erodes the value of money, and the payee is paying the owner over time. Another reason business buyer notes are sold at a discount is because personal property and office furniture does not provide the same degree of safety that real estate does. Also the interest rates on business buyer notes are not high enough to interest investors to purchase these notes unless it is sold at a discount price.

If you are interested in purchasing a business buyer note it’s probably a good idea to contact a service that will help you in these matters. First there needs to be an assignment of the security instrument and receive the endorsement of the promissory note. The service you hire in this matter will examine all aspects of this transaction, and verify all notes in question, plus they will of course record all of the necessary documents for your records. It all depends on the nature of your agreements with all involved whether your business buyer notes are assets or not.

Credit Cards For Bad Credit

Applying for and getting credit cards for bad credit can actually end up being quite helpful to consumers if they are used correctly. The following are a couple of great reasons why getting a credit card especially for those with bad credit can be a wise idea.

Credit cards for bad credit can help people keep track of their spending habits. Most credit cards designed for consumers with not so healthy credit send detailed reports of what is being purchased with the credit card. This is really a fantastic way to find out exactly what you are spending your money on each month and then decide what can be cut out. More responsible spending habits are a great practice for consumers no matter what their credit history may be.

Credit cards for bad credit generally fall into two categories. The first is a credit card that has a maximum limit to the amount you can charge. For example a consumer with bad credit may be able to apply for a credit card with a $1000 limit. This can help the consumer from over spending and getting into a financial bind that they cannot get out of.

The second of the credit cards for bad credit is the secured credit card. These credit cards involve the consumer making a small deposit onto the credit card in order to use it. Some cards will increase your spending limit if good spending practices occur while others you can simply only spend what you put onto the card. Either way it is a great way to be responsible with your money and start rebuilding your credit.

These are just two of the great reasons as to why it is not a bad idea to look for a credit card tailored to those with bad credit. Credit cards for bad credit can be the first step in taking the needed steps to restore your credit to good health.

Brand New Mini Stun Gun Offers Powerful Punch

Everybody I am sure has watched Cops before and seen those videos of out-of-control “bad guys” and seen them get shocked or tased by either a stun gun or a taser. Or, for any 24 fans out there we all say Jack shock President Logan in an attempt to subdue him and get him off of the helicopter. Well, the problem with most stun guns today is that although they are pretty small, you may want them just a little bit smaller. Maybe something just a little easier to carry around with you is all you would want. That time has come. The new kid in town is here. Introducing The Runt Stun Gun.

Everyone has seen the Stun Master’s and what they look like. The new Runt Stun Gun is easily concealable and it will fit virtually undetectable in the hand of a woman or a man. This allows your attacker to approach with no fear. The element of surprise is the key here. Your attacker will drop to his knees and will never see it coming.

The reason for this sudden surprise and drop comes from the technology that The Runt possesses. It uses new cutting edge micro-technology that allows it to deliver unprecedented power from a palm sized weapon. It contains three voltage levels so you can choose how much you need to use. I would recommend choosing the level based on your own size and how much more power you would need to subdue a man two or three times your size.

The Runt is perfect for all women or men of all sizes and is available in 350k, 650k, and 950k volts. This selection of voltage will allow people to get the kind of voltage they are looking for. At 950k volts, this is hands down one of the most powerful stun guns on the market today.

Battles against Media’s idea of “The Perfect Woman

The never ending battle against the Media and it`s bogus idea of the “PERFECT WOMAN”. *sigh*

Lately I have been studying the media, reading articles, watching news, and looking for anything that I can find to make me feel that there is still hope for our world. If you have read any of my past blogs, then you will already know where my concerns lie.

For those of you that are just reading me for the first time, my concerns are strong regarding women of today and their search for the true identity of themselves.

Women today have fierce competition. I have spoken to many men also and they have strongly let me know that they would not trade their gender for any amount of money. They actually feel sorry for the women of today. A few of them even shared with me that they hate the fact that everywhere they look, the media’s idea of, “The Perfect Women” is stuck in their faces. Sure its nice to see, any human being will appreciate a nice looking picture. What happens at that very minute though is that they (the men) are put in a situation of feeling that they are betraying their partner by not knowing exactly how to react. I know, I know, some of you are thinking that it is the women’s fault that the men think that way. I will agree in some cases, but these men that I have spoken to were being quite genuine in the fact that they themselves did not appreciate it.

I will be the first one to say yes to prostitution. Why? Because it keeps some of the damn rapists of the streets from attacking the unwilling women. I say yes to pornography; it keeps the men that are afraid to approach real women relieved of a very needed natural release. I also say yes to alcohol and to chocolate with ice cream, but my dear readers, before you frown on me for what I just said, hear me say this. “I do not condone the force and uncontrolled manor with which the media shoves all this down our throats. I thought this was a free country. When did we lose the right to choose whether we want to have the media’s idea of, “The Perfect Woman”, shoved down our throats every time we turn on the television, walk into a bar, just drive down the road (billboards), open a magazine, listen to a song, or even simply look in our teenagers room.”

I was reading an article that was advertising the new television line ups for this falls season. I was horrified when I read about the graphic violence being used against women. Episodes showing a woman thrashing in a cage, with duct tape across her eyes, while a man’s hands are shown grabbing her bloodied fingers through the bars of the cage and ripping off her fingernails. Another is chained up like a dog in a basement by her so called loving husband. It gets worse; there is also one with a woman paralyzed by venomous spider bites and is being raped by a masked figure. These are what society is allowing for after dinner viewing. I am embarrassed to even say that this is my world seeing this. They made more noise when Janet Jackson slipped a peak of her nipple at a damn football game. In a word…SAD!! The media has definitely figured out how to make money at every woman’s expense.

On a much happier note, in my searching the worlds media I did find a very refreshing commercial put out by DOVE. It can be viewed at their website:

www.campaignforrealbeauty.com . “Cheers Dove” is all I can say. Dove is pushing hard and continuing an uphill climb to bring back what was put on this earth as, The Real Women.

I also ran into an article trying to cut this refreshing change down. The magazine people that pride themselves on using air-brushed models with unrealistic looks, called the Dove girls in this commercial, “civilians”. Ha! Now that is a very obvious show of defeat. They’re even trying to say that women of today will not want to buy from ads that do not promise you unrealistic beauty. Ladies, the media is in fact calling you stupid as far as I read. I take that as an out right insult.

It’s about time that someone stood up and gave the media’s negative actions a run for their money. Money made at real women’s expense, as I said already once. They also mention something as silly as women worry if they looked fat in their pants, as being an old age insecurity. DUH! No one ever said it was new, jeesh. I am also curious just how far women today are willing to let the media’s idea of “The Perfect Woman” go. We are already the butt-end of the cosmetic surgery joke. I feel that the only reason any woman would be turned off by Dove’s real women, is because they have been so brain washed into thinking that the media’s idea of “The Perfect Women” is what is real. I feel sorry for them. Ladies of today, we must stand up and fight back. Do not let them turn, what is suppose to be real, into barbie dolls.

So many women are confused about what is, and what is not. Why do you think so many women suffer from low self-esteem, with cosmetic surgery at every street corner and so many unrealistic expectations coming to us from the media on how a women is suppose to look? Blah, blah. It’s no wonder women are so confused.

Well I know that there is strength in numbers and I do know that there are more women today that are sick of all of the media’s ideas. Ladies with low-self esteem, stand up, go to the store, and support DOVE. So what? They make money and yes, maybe there is a bit of truth that they too are using us as a way to profit. But at least we have a place to start to turn things around. We will never be able to turn them back, but we can make them work for us, not against us. Oh if anyone thinks that Dove has asked me, or payed me to speak of them in my blog, NO and NO. I am speaking on behalf of every women out there has been damaged by all the garbage that the media is trying to run our world with. Womens Selfesteem.com is happy to say that Dove is doing a very good thing, on the “real women” of today’s behalf.

Breast Augmentation – General Information

Breast Augmentation is becoming more and more common with this type of cosmetic surgery becoming one of the fastest growing types of cosmetic surgery. There are two reasons why women would want to undergo this procedure. In 80% of cases, it is for cosmetic reasons, 20% are for breast reconstruction after surgery.

There are three questions you need to ask yourself if you’re considering undergoing a breast augmentation procedure.

Why do you want implants?
What do you expect to get from Breast Implant Surgery?
Are you prepared for long term follow up and possibly future surgery and the expense that this will entail should it be required?

You must remember that Breast Augmentation Surgery is a major invasive surgical procedure which is carried out under general anaesthetic along with all the normal risks which are undertaken when invasive surgery is conducted.

There are two types of implants, Natural tissue and Synthetic Implants which are both quite different.

Natural Tissue Implants are normally used for Breast Reconstruction surgery. They are very rarely done for cosmetic reasons. The patients own tissue is used to reconstruct the breast. The tissue comes from either the back or the abdomen. This tissue is then attached to the chest and moulded into a breast shape. The surgeon must carefully remove and re-direct muscles and blood supply in order to keep the new breast healthy. The procedure may also involve nipple re-construction. Ideally, the original nipple will be removed and re-attached to the new breast if it is healthy. However, if that is not possible, then there are synthetic replacements or nipples could be tattooed.

Synthetic Breast Implants are made of two types which are currently available. Those are either a silicone gel or a saline solution. There have been other types in the past, but they are not used anymore due to health risks. Both the silicone and saline implants are both encased in a silicone shell.

There are certain women who are not normally accepted for cosmetic breast implants. Those who are under 18, pregnant, those who are currently breastfeeding, or if you have only a partially treated cancer or an active infection.

There are some risks to Breast Augmentation Surgery which should be considered very carefully as there is no medical benefit to having Breast Augmentation surgery. The only benefits seem to be that women who have Breast Implants have an increase in confidence and self esteem.

The risks are as below. One of those risks is Capsular Contracture. This affects approximately 1 in 10 women. This is where scar tissue naturally forms around the implant this causes the implant to harden.

Another risk is infection. This is a normal risk after any major invasive surgery. This is normally caused by a collection of blood/fluid around the implant. The body can safely absorb a certain amount, but if there is too much, it can cause problems. The usual course of action is to prescribe a course of anti-biotics.

There is also the risk of a rupture although that risk is relatively negligible as modern manufacturing techniques and materials improve. Also, the solution inside the implant is not particularly toxic. The silicone gel will stay in its original shape, and the saline solution can be absorbed safely into the body.

Breast Augmentation is a more and more common procedure despite a significant amount of negative publicity over the safety of breast implants. Those implants which were thought to be unsafe are not used anymore. There are studies being conducted to ensure that those women who have these old implants are safe.

What You Really Need To About Starting A Work From Home Business

A home office is truly what you need – this truly should be a committed room of a sensible size. You shouldn’t have excessively inconvenience in the event that you change over a little room, as most rooms are quite substantial once you take away the bed.

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Your basics for a home office are a work area, seat, PC, file organizer and telephone/fax. In the event that you don’t have save ones of these lying around then you ought to get them utilized, or from some sort of rebate store – don’t spend a penny more than you have to on your office furniture and hardware, at any rate in any case. Still, however, do attempt to discover things that don’t look too terrible, and that match.

Do ensure that you have everything in the room that you’ll requirement for your business, and that your gear is sufficient that you’ll have the capacity to utilize it for drawn out stretches of time without it getting to be plainly excruciating. On the off chance that you plan to do a great deal of calling, for instance, purchase a headset with the goal that you can do it sans hands. It’s likewise worth spending only some additional on that seat, in case will be perched on it a ton.

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You ought to likewise ensure that the room is sufficiently bright and improved in a style you like: one that says ‘genuine’, yet not ‘dull, horrendous work’. Keep it at an agreeable temperature, with great ventilation. Many individuals jump at the chance to make their home office obviously unique to whatever is left of their home, by having an in an unexpected way shaded cover or wooden floor, or painting the dividers an altogether extraordinary shading. Whatever you do, however, I have most likely it’ll be superior to anything 99% of the corporate workplaces out there. The most critical thing is that you don’t spend excessively, yet that you try to tackle any issues you have with your space when they come up.

A Whole Other Building.

One thing that a few people get a kick out of the chance to do when they set up home workplaces is to make it totally isolate from their home: a business add. This could be costly – for’s the love of all that is pure and holy don’t fabricate an entire other building on the off chance that you don’t have something like a shed or carport to change over – yet it is additionally a standout amongst the best approaches to telecommute. It’s less a ‘home office’ as an office that you’ve fabricated appropriate beside your home – and it gives you a much clearer feeling of when you’re working and when you’re definitely not.

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This alternative is particularly worth considering in the event that you do a manual exchange, particularly on the off chance that you as of now have some sort of workshop space. I knew a craftsman who spared himself a wide range of cerebral pains when he moved his home office far from his room and into his current workshop in his carport.

Change A Light, Change The World With Energy Star

Most people want to do their part to help reduce greenhouse gas emissions and save on their energy bills, but don’t know what they can do. Using energy efficiently at home is an important start; and, it can be as easy as changing a light bulb. The Environmental Protection Agency (EPA) and Department of Energy (DOE) are calling on Americans to join the growing number of individuals switching their current lighting to energy-efficient light bulbs and fixtures.

Many people don’t realize it, but the average home is responsible for twice as many greenhouse gas emissions as the average car. In fact, if every American home replaced its five most frequently used light fixtures or the bulbs in them with ENERGY STAR qualified ones, the amount of greenhouse gases we could prevent is equivalent to the emissions from more than 8 million cars. Not only does energy-efficient lighting help protect the environment, but it also saves consumers money since lighting accounts for nearly 20 percent of home electricity costs. Each home making this “5 light fixture change” could save about $60 a year in energy costs.

As part of the annual ENERGY STAR Change a Light, Change the World Campaign, the EPA and DOE have declared Oct. 4, 2006 “ENERGY STAR Change a Light Day.” Americans are invited to take a pledge online at energy star.gov/changealight and commit to replace at least one incandescent bulb or fixture in their home with one that has earned the government’s ENERGY STAR for energy efficiency. Individuals who have pledged are already having a dramatic combined impact. Pledges taken in 2005 alone will result in the reduction of 33 million pounds of greenhouse gas emissions. The goal is to encourage at least 500,000 individuals to join the community and take the ENERGY STAR Change a Light Pledge. This is a step in the right direction, to ensure that our children have a bright future ahead.

ENERGY STAR is a government-backed program helping individuals and businesses save energy and protect the environment through superior energy efficiency.