Transition from Military Life to Small Business Careers

Perhaps one of the most challenging career and employment situations imaginable takes place every single day when individuals serving in the military prepare to move from military service to a new career. This involves thousands of motivated government employees who at first glance should have absolutely no trouble in obtaining an appropriate job. It is hard to imagine any prospective employees who would have more motivation to work hard and succeed in whatever they do.

Despite initial appearances, military personnel are currently experiencing a high unemployment and underemployment rate. Perhaps because of this or outdated assumptions about the value of all forms of college education, the first step in military transition to business careers is often a decision to obtain a college degree. This can prove to be the right move in some cases, but it can also become an expensive mistake.

The difference between education and training is frequently misunderstood by many people, and such misunderstandings probably contribute to a disproportionate percentage of career choices focusing on educational institutions instead of more specialized (and much cheaper) career training programs. While advanced education has a special place for specific purposes and goals, it is simply not the best career choice in a surprising number of cases. One of the best possible illustrations of this dilemma occurs when someone is departing from the military. In this situation, education can appear to be the “easy” decision. But with more scrutiny, training frequently emerges as the “smart” decision.

Just as specialized business training is usually one of the most cost-effective strategies available to small businesses, the selection of a practical career training program will often prove to be a more cost-effective military transition alternative in comparison to other options that include lengthy and expensive university studies. It is true that the most viable and appropriate training choices will require some investigative time and effort to evaluate thoroughly. In large part this is due to the fact that colleges and universities have extensive marketing resources to advertise and persuade while the less well-known training opportunities are more of a “word of mouth” situation.

For example, one of the most effective career training situations devotes no resources whatsoever to advertising and lobbying. In this case the program leads to a small business finance consulting career. Because overhead is much less than the highly-capitalized universities, the cost of such services are understandably much less. Unfortunately it is not always true that you get what you pay for, so a prudent military transition will require due diligence from start to finish.

Stephen Bush has provided candid business advice to small business owners for over 30 years. He specializes in business negotiating and business proposal writing. Steve offers career training programs for small business finance consulting throughout the United States and Canada. He is a U.S. Navy veteran who works directly with individuals leaving military service and helps with the transition to a small business career.

Dubai To Pass A New Law Protecting Investment In Property

The new law will allow anyone who has made an investment in property in the emirate to receive a full refund if a property developer fails to deliver an off-plan property on time. Other occasions in which investors can request to be compensated include breach of warranty and fraud.
The plans for the new law came to light in June when a draft was published. This early version of the law has undergone amendments after a consultation process. Majida Ali Rashid, director of planning and organisational development at DLD, explained that the public and interested parties, which were included in the talks, brought several suggestions to the table.

Boost to investor interest

The final version, which is now being drawn up, will ensure that interested parties are less exposed to risk when it comes to investment in property in Dubai. With the new law, investors receive extra protection in situations where they have suffered from a developers inability to keep the terms of the agreement. This will most probably give a boost to Dubais property market, aiding the recovery which has recently been seen after the market crashed in
2008 following the global economic crises.

Dubai is a country which has attracted serious global interest for investment in property. Over the last decade the country has launched some of the most ambitious infrastructural and development projects in the world such as Dubai Marina, Jumeirah Lakes Towers, Palm Jumeirah and The World Islands. These and other projects have had property investors salivating. According to the emirates Real Estate Regulatory Agency (RERA), Dubai is currently home to 3,094 registered real estate brokers. Nearly 50 percent of this number comes from UAE (620), with Indians (438) and Pakistanis (428) also well represented. Britain comes fourth with 304 brokers.

And with the new protection measures Dubai will become even more attractive destination for property investors across the world, creating a safe and fertile ground for whatever spectacular project developers in the emirate dream up next.

Yum Money Hound Review

Top water bass fishing can be some of the most exciting action you will ever have on the lake. When the fish are hitting the top, the action can be fast and furious all day long. Sometimes though, even though they are hitting the top, they are still sitting in beds of grass or lily pads.

The Yum money hound will let you to make the most of your quality time on the lake, because it allows you to rig the lure in a weedless style.

Not only do you lose more lures, but you have to clean your hooks on just about every cast! Cleaning hooks is not the way I like to spend my time on the lake. That’s why I bought the Yum money hound.

There aren’t any top water, hard plastic baits that let you fish in the weeds without fear like the Yum money hound will. The great part is, the weedless feature of the bait, without sacrificing the action of a hard plastic.
To get the most out of the bait, you will need two things: a simple razor blade, and an EWG (extra wide gap) hook.

With the razor blade, cut carefully along the narrow bottom strip of the bait. Now rig the EWG hook through the nose, and back through the body of the bait almost like you were rigging a worm.

These two steps will help you in two different ways. The EWG is a wide gap hook, which lets you set the hook more effectively, and will give you a better strike to catch ratio. Cutting the bottom of the bait lets the hook penetrate through the bait, into the lip of the fish much easier when you set the hook.

You can still do well if you don’t cut the bait, but you must have the wide gap hook. Otherwise, you will be setting the hook, and losing a lot of fish during the fight.

PNC Online Banking

PNC rates on mortgages are one of the few that did not increase when many of the other financial institutions have already done so.

For a $250,000 loan in the Philadelphia area, the rates are as follows. The 30 year fixed interest rate at 5.50{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 5.875{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} with APRs of 5.626{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 5.842{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, respectively. The 20 year fixed interest rate is at 5.625{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 6.125{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} with APRs of 5.828{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 6.098{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 15 year fixed is at 4.875{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 5.125{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} with APRs of 5.082{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 5.258{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 10 year fixed interest rates are 4.750{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 5.125{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} with APRs of 5.045{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} to 5.232{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}.

The current bank rates on CDs include a tiered format. The top tier is for those with Performance Select checking accounts, followed by Premium Plan, then the Standard CD rates. The promotional 9 month CD is earning an APY of 0.45{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.42{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} and 0.40{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, respectively. This has a minimum deposit of $1,000.

The 3 month CD is earning an APY of 0.15{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.15{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} and 0.15{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, respectively. The 6 month CD is earning an APY of 0.25{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.20{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 0.20{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 1 year CD is earning an APY of 0.50{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.45{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 0.45{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 18 month CD is earning an APY of 0.55{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.50{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 0.50{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}.

The 2 year CD is earning an APY of 0.50{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.45{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 0.45{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 3 year CD is earning an APY of 0.70{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 0.65{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 0.65{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 4 year CD is earning an APY of 1.05{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 1.00{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 1.00{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}.The 5 year CD is earning an APY of 1.25{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 1.20{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 1.20{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 7 year CD is earning an APY of 1.75{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 1.70{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 1.70{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}. The 10 year CD is earning an APY of 2.00{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, 1.95{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}, and 1.95{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27}.

The minimum deposit for these PNC rates is $1,000, and the rates were posted on February 9, 2011, but are subject to change without notice.

We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

For additional resources involving financial help, please view PNC Online Banking, best bank savings rates, Westpac Online Banking and Online Banks at

Commercial Mortgage Modification

In todays crumbling, commercial real estate market, both borrowers and lenders find themselves in quite a precarious predicament. Borrowers struggle to make their commercial mortgage payments, while lenders are crippled by the increasing number of defaults on commercial property. Right now the best solution to this problem is commercial mortgage modification.

Commercial mortgage modification is the process of renegotiating the terms of a commercial loan. This is done typically by reducing the interest rate or monthly payment on the loan. Other benefits to the borrower may include an extension of the loan term, a forbearance or moratorium on payments, and of course an alternative to foreclosure.

A commercial mortgage modification is about risk to the lender. A lender will only consider a modification if a borrower is in default or at risk of defaulting. The most important thing the lender will look at in determining whether or not to modify a commercial note is cash flow. One very important calculation used in determining cash flow is called the DCR or Debt Coverage Ratio. This ratio is used by the underwriters to determine if a modification can be approved. If a property is breaking even, meaning the income generated is equal to the operating expenses, the DCR would be equal to 1. If commercial property has a positive cash flow, meaning the income the property generates is more than sufficient to cover the mortgage payment and all of the operating expenses, the DCR is greater than 1. If the property is losing money, the DCR would be less than 1. A lender will most likely not modify the commercial note, if the property already has a DCR greater than 1. Commercial lenders writing new commercial loans will most likely require a DCR of 1.25 or greater.

The most common form of payment reduction seen in a commercial mortgage modification is when the lender converts a principal and interest payment to an interest only payment. A lender may consider this form of commercial loan modification to help the borrower improve their cash flow. By only paying the interest on the loan, as opposed to principal and interest, the payment becomes more affordable for the borrower.

However, in extreme circumstances, reducing the mortgage payment to interest only is just not enough for a commercial property owner. If a lender sees that the borrower will still have negative cash flow even after reducing the payment to interest only, they may consider a reduction in the interest rate. Although the interest rate reduction may be temporary, it will help the borrower free up capital and maintain the mortgage payment on time. Although uncommon, lenders have lowered interest rates to as low as 1{1b4b0b1b814feb6e0f67ae90a68e929f5beb06f92d735c29321fd86cee50ef27} even, to avoid an even more costly foreclosure.

Entrepreneur Facilitation Center & Development(EFC INDIA), Co-Working Space in Pune,Shared Office S

Entrepreneur Facilitation Center & Development “This Incubation Park suits to IT / ITES /SERVICES SECTOR Technology Based startup, service concept based startup and any other concept / idea which required an office space to start and run the day to day operation”. We at EFC India, support the young budding entrepreneur with complete guidance on their idea or business plan, provide them with all necessary required things like office space, equipments , office, machines & fixture, manpower hunting , sanctioning loan , legal documentations etc. every bit of thing required to start their own business. EFC India is an Entrepreneur Park, where the ideas get converted into reality and fruitful business. We with our team of experts transfer knowledge and skills, help you with all new technology and market support , provide complete training on modernization and expansion of business to enhance the quality and productivity of your business. All you need generate a great idea of business and we help you shape it into reality! -WHAT WE PROVIDE-

You can send your business plan to

You business plan should not be more than 7 – 10 pages and should crisply cover the following aspects –

1. Introduction of you , your team & business that you want to start. 2.Your Target Customer Your Business Plan & Projection – business model innovation that differentiates you Your revenue model / Earnings – how will you make money, pricing etc. 3.Sales and Marketing Strategy – how do you plan to spread the word around about your solution, how would you sell it? 4. Management Team – Who are the main team members and advisors. 5. Financial projections – What are your cash-flow projections – expenses and revenues? How much money do you need to raise as investment? 6. When would you start breaking even operationally? Approx. Amount of Investment requirement ? 7. Team size / No. of people you will hire.

send your business plan to

Small Business Bank – How Specialized Banking Works for You

If you’re opening a small business, you need a small business bank, pure and simple. Using your regular bank won’t net you the benefits that a specialized banking account can come with. No matter who you choose as a host for your banking needs, you always need to open a new account for a business. Never use your personal bank account as this can make it next to impossible to discern your business income and expenses from more personal sources. Always choose a new account, and look for a specialized bank whenever possible. The right bank will have a deep understanding of your business needs.

One of the most important features of a small business bank is an assortment of affordable banking solutions. Money is usually tight when you’re starting out. You don’t want to have a high minimum amount on your account that you can’t possibly sustain. If you need to make a large withdrawal for business purposes, you should know that you can do so without jeopardizing your bank account. It’s also important that you’re able to make deposits and withdrawals without a lot of fees. The right business bank will work with you so that you can maximize your profits early on.

Small businesses today are far different than what they were in the past. A mom and pop shop used to be a brick and mortar store with an easily-defined address and actual location. Today, many businesses are run online. You could be running your business from locations all over the country, or all over the globe. You can’t always work with the bank down the street. You need a small business bank that will go with you everywhere you happen to be. Online banking, mobile banking, and more are essential for a business banking account. You don’t want to be tied down to one location, and with the right account you won’t be.

When you’re getting ready to open a new banking account for your business, it’s important to take the time to do your research. Look into a variety of banking opportunities to find the small business bank that’s right for you. When you look at other offers, you’re sure to notice where the best deal really lies. It’s important to understand what’s out there so you don’t get sucked into the first well-worded advertisement you see. Compare your options and look for a small business banking account that provides all the services, benefits, and convenience you need to make your company a success.

Setting goals To become That Successful Internet Entrepreneur

Starting out to become a successful entrepreneur is a exciting emotional time in a persons life. A decision has been made to break away from the normal way of thinking about work and money possessed by the majority. The majority meaning about ninety seven percent of the population.

Becoming a successful internet entrepreneur requires changing the way you were programmed to think. The decision has been made, backed by a commitment to become one of the -three percenters- that have chosen to take control of their financial future and live life on their own terms. There is no longer a boss making decisions about when, where, and how you will make a living. It will be all up to you either to succeed or fail.

The most important aspect of becoming a successful entrepreneur will be your ability to set a goal and do what ever it takes to reach that goal. Realize that you must not just show up for the game, you must play to win and to win you must set goals.

Almost everyone from business professionals to athletes have been coached on the need for setting goals and just how important it is, but many do not understand why they can not reach their set goals.

What does it Require to reach a Goal?

Why some succeed and most do not is that those that succeed have learned to attach a strong emotion to why their goal must be reached.

Whether we are money hungry entrepreneurs or some other noble profession there has to be a deep underlying emotion attached to a goal. Just saying I want to make more money in itself can not be a goal. The questions must be asked, why do I want to make more money, how much money do I want to make and how will I feel when I receive this money? How will it make me fill emotionally, happy, jubilant, thankful, relieved? Concentrate on this emotion and how making more money will enforce this emotion.

Finally, a time frame must be put on this goal.

What exact date and time will this goal be met? A goal without a date and time set on it is merely becomes a wish and not reality.

To become a successful entrepreneur, one must learn the proper way to set goals both short term and long term.

Steve Kimball has been a business owner and entrepreneur for over 25 years. His main goal is to assist others in achieving the success they deserve online. He has teamed up with the elite marketers at carboncopypro and together they are striving to change the world one person at a time. For more information go to

Learning To Trade Overnight Trading Range Breakouts

Trading breakouts is one of the most tried and tested methods of trading the forex markets because when the price breaks out of an established trading range, it often continues to move strongly in that direction. Therefore there are some excellent profits to be made.

There are lots of different ways you can trade breakouts. You can wait for a quiet period of the day for instance when the price is barely moving and is confined to a very narrow range, and wait for a breakout to take place, or you can use bollinger bands and wait for them to narrow because this often precedes a strong breakout. However in this article I want to talk about a particular strategy that involves opening ranges.

I’ve been experimenting with this strategy on the GBP/USD and EUR/USD pairs recently and it seems to work very well. What you basically do is to look at the opening hours between 00.00 and 06.00 GMT (or 08.00 if the price is still within this range up until this time) and draw two horizontal lines marking the high and low points for this period.

Then you simply wait for the price to break out and close above (or below) one of these lines and take a corresponding long or short position. This method works well when there is a narrow opening range and the reason it works is simple. Every pair has an average daily range (the GBP/USD is roughly 220 points and the EUR/USD is roughly 180 points according to 2008 figures) so if the opening range is a small fraction of this number, then you know that there are a lot of points to be made either above or below the current opening range.

It’s not a method that can be used every day on a certain currency pair because sometimes the price will move quite substantially in the opening few hours, but it’s well worth putting into practice when the opening range is very narrow.

There are various ways you can actually trade this system. You can either jump in as soon as the breakout bar or candle closes, or if you want to place the odds substantially in your favour, you can wait for an initial breakout followed by a pull-back into this trading range, then trade the subsequent breakout (if there is one) because this continuation pattern is a very profitable signal.

Either way you should find that these strategies (or variants of these strategies) are generally very effective because the price will very often move strongly out of this opening range at some point during the day.

Can Spirit Play A Role In Financial Success

At quick glance, whether or not a person experiences financial success in life may seem arbitrary. Some people seemed to have earned it through hard work, while others were handed money on a silver platter. Still others engage in unscrupulous tactics to achieve it and many of them ultimately pay the price. While we struggle to support ourselves, we wonder why we were not selected to experience financial riches.

The truth is, our life is what we make it. We can climb the corporate ladder while working for someone else or we can create our own destiny in a different way, by becoming entrepreneurs. Either one may offer intrinsic and financial reward, depending on who we are. Some people are not content to be restricted by a corporate structure and choose to embark on their own ventures. Though this is often an admirable move, success is not guaranteed.

Starting a small business is expensive and most entrepreneurs spend some sleepless nights wondering how they will pay the bills. Along the way, these individuals rely strongly on their core beliefs, one of which is often a strong sense of faith. Even those who started with little spiritual values may come to believe in a higher being who guides them down the right path. They place their trust in something outside of themselves, hoping it will make their career more rewarding.

Some people have seen what faith can do first-hand and they share their experience with others. By providing the lessons they learned and explaining the life-altering change they made, they hope to help other people transform their own lives. Many of them believe that being blessed with the success they have requires that they share the method of realizing it with the public.

This sharing, they believe, is their calling and duty, the price they must pay for their riches. In reality, it is not a sacrifice because every time they show others how to be more successful, they feel an internal satisfaction. What better thing can a person do than help someone else realize a dream? Even the most stubborn audience can take away valuable lessons from this conversation.

Whatever our faith is at this point may undergo a radical transformation when we find ourselves on the receiving end of such a powerful message. As we embark on our own journey to put ourselves in the financially secure category, we may remember this information and incorporate it into our lives. When we achieve financial security, it will be our turn to share the valuable lesson with others.