If you’re looking to start your own small business, but don’t know where to go to get the financial resources you need to start, then you might consider some of these options depending on your personal situation.

Government Small Business Loans — Check with your local government agency. There are some government loans you can apply for on a local, state, and federal level to receive the money you need to start or grow your business.

You could get a small micro loan, disaster relief loan to rebuild your business from a natural disaster or a simple short term lending loan. You might even be able to get a loan based on your geography!

Veteran Loans — If you’re a military veteran who served in the armed forces, you may be eligible for a veteran loan to use on your small business. Check with your local veteran’s chapter to apply and see if you qualify for a loan and how much you might be able to get to use on your business.

Small Business Loans — The Small Business Administration offers small business loans and resources to those who qualify for a loan. The SBA works through private financial institutions to offer some of these loans at a low interest rate if you qualify.

USDA — If your small business is in the agricultural industry, then you may qualify for a small business loan. Check out the USDA website to find all of the information you need about their small business loans and what information they need when you apply.

Women — There are many small business loans that cater to owners who are women. Some are offered through your state while others are offered through small business corporations, organizations and non-profits.

Minorities — There are some small business loans provided to qualifying minority groups. The MBDA works with minority groups and evaluates their situation to determine if they can apply for a small business loan. They also offer many tips and resources to help you get started with your business venture.

Grants — Grants are available through the government, corporations, non-profits, and other organizations. This is money that doesn’t have to be paid back, but with some grants, there are specific regulations on how the funds can be spent.

There are many small business loan resources available for almost any situation. Check out all of your options to see which resource will work best for your business needs.

• How to Get the Financing for Your New Small Business: Innovative Solutions from the Experts Who Do It Every Day
• Finding Money – The Small Business Guide To Financing
• Financing Your Small Business: From SBA Loans and Credit Cards to Common Stock and Partnership Interests
• Financing Your Small Business: From SBA Loans and Credit Cards to Common Stock and Partnership Interests (Kindle Edition)
• Practical Finance, Financing and the Financial Plan for Small Businesses: Systems for Success
• Financing the Small Business (Streetwise)

Faulty information costs you money! Which of these popular business misconceptions do you believe?

Popular Misconception #1: “We Only Need Our Books Done Once A Year For Tax Purposes.” Are Your Accounting Records Adequate To Run Your Business?

Although it is important to keep records for tax purposes, it is not the only reason (or even the primary reason) good accounting records should be kept. Another frequent reason clients request financial statement preparation is to obtain bank financing. Although important, this also is not the primary purpose of keeping good records for your business.

Good recordkeeping will enable you to extract meaningful financial information for your business that will help you to manage it properly. If you can’t access this information, you will not be able to manage your business properly. Bad management leads to business failure.

Yes, the primary reason good accounting records should be kept is to produce periodic (at least on a monthly basis) financial statements for management information purposes. Only with this current financial information can you properly manage your business. This information can alert you to declining sales, excessive expenses, tax opportunities, cashflow problems, and many other vital concerns for your business.

To be of value, this accounting system should be set up with meaningful account categories and departments. It may be cost-effective to have an outside accounting service do the monthly bookkeeping. However, with accounting software that is readily available, you don’t have to be an expert bookkeeper to do your own books and extract meaningful financial information.

If you do your monthly statements yourself, it would still be prudent to have your accountant or business advisor help you set up your system and, as well review such information with you to discuss problems and opportunities.

Popular Misconception #2: “Writing My Hobby Off As A Business Loss Saves Me A Lot Of Income Tax!” Is Your Hobby A Tax Write-Off?

If your business has no reasonable expectation of profit, if it is a hobby and not really a business, you will ultimately fail in your tax objective. Since your losses are being incurred for a hobby and not a true profit generating business, the tax authorities will take the position that you aren’t entitled to any deductions. This is a double blow. First, you’re losing money. Second, you’re denied tax deductions.

It is true, however, that if you enjoy what you’re doing, you’ll do better at it. You’ll be willing to work longer hours and you’ll be willing to put up with more hardships in order to make your business a success.

Rather than attempting to have the tax system subsidize your hobby, why not turn that favorite pasttime into a real, profit generating business? This is a doubly rewarding. First, you make money at something you love doing. Secondly, the tax authorities legally have to allow your reasonable expenses to earn your now substantial business income.

Prove that you’re running a business by running a business. Prepare and follow a proper business plan. Keep good accounting records with at least monthly financial statements to give you the information you need to manage your business. Above all, make money from what you do.

Popular Misconception #3: “I Don’t Make Enough Money to Incorporate!” Will Incorporating Really Benefit You?

Some persons resist the idea of incorporating themselves because the tax savings may not justify the added costs of incorporation, annual minutes, and extra tax returns. However, incorporation gives advantages that go far beyond tax savings.

Insurance may give you some protection against loss. However, you may suffer business losses and lawsuits that may not be covered. For extra protection, consider incorporating yourself. The limited liability of your own corporation alone may justify the additional cost and complexity.

Corporations may also be used for income-splitting with your family, as well as estate planning and retirement planning objectives. Additionally, corporations lend some credibility to smaller businesses and may enhance your image and prestige in the eyes of clients or suppliers.

Lower corporate tax rates will generally apply on small business income. Even in loss years, wages can be paid by the corporation to you so that you may utilize personal tax credits available. If unincorporated, these credits might be lost forever. The now larger corporate losses can be carried forward to future (hopefully more profitable) years.

A full analysis of the advantages and disadvantages of incorporation is beyond the scope of this report. However, being incorporated may give you more flexibility and advantages than you originally anticipated. Certainly, it is not prudent to reject it as an option simply because it is more complicated and costly. In fact, it may be one of the best investments you ever made.

Popular Misconception #4: “I really need an office out. Being home-based makes me look amateur!” Is A Home Office REALLY Professional?

Many times small business persons make the mistake of generating unnecessary overhead in order to impress clients and prospects. Often this attitude leads to escalating debt and business failure. One such example is getting an impressive, but expensive, commercial office space.

Customers aren’t stupid. They can see when such outside space is necessary or advantageous for them. They can also see when it is a waste of money and designed to fuel your ego. What matters most to clients is whether they are getting cost-effective results or not. If your product or service delivers such excellent value, your customers will be impressed and come back. In contrast, if one allows his ego to get in the way of satisfying the customers’ needs, they will go elsewhere.

With the move to telecommuting, downsizing, networked communications, and home-based businesses, operating from your home office is actually smart and trendy. Can you think of a more appropriate location for a consulting firm specializing in home-based businesses? They of all businesses should set the example in cutting unnecessary expenses and operating efficiently.

This is not to say that there aren’t any disadvantages to being home-based. One certainly must be well organized, disciplined, and willing to follow good time management principles. This alone could mark you as more professional than other businesses, home-based or not.

Expensive office space is not the answer to reflecting a professional image. If you are truly concerned about your image, offer quality service. Make sure that all your corporate communications (telephone, websites, printed materials, et cetera) reflect the professional nature of your business.

Popular Misconception #5: “Since we’re not seeking financing, we don’t need a business plan.” Do You REALLY Need a Business Plan?

To obtain financing, many persons will prepare a business plan. Although entrepreneurs will go to great lengths to get their loan or capital, these same business persons will not bother to plan ahead very far or analyze their business. Even if you required no additional money, preparing a business plan can help you to succeed in your business.

Running a business without a plan is like going on a trip without a map, sufficient gas, money, or even a destination. Just as you wouldn’t go on a vacation without some planning, no business can be successful without it. Putting that plan in writing helps you to think out a strategy for successfully operating and growing your business.

Where is your business today? Where will it be tomorrow? What is your mission statement? What product lines are profitable? Which ones aren’t? What business do you think you are in? What business do your clients think you are in? Should you be in a different business? Is your product or service less attractive to your clients? How are competition, global commerce, technological and social changes affecting your company? What is your competitive strength? What are your weaknesses? Who are your biggest competitors? What are their weaknesses and strengths? What is your marketing strategy?

What are your projected income and expenses and cashflow for the next year? How about the next five years? Do you have a capital budget? What determines whether you buy an asset or not? Do you have an exit strategy? How will you manage growth? Do you have a financial plan? Do you have an operations plan? What definite sales and net profit targets have you set for this year and the next five years? What factors could interfere with the attaining of these goals? What contingency plans have you made to deal with such problems?

The purpose of these questions is to get you thinking and planning. If you fail to plan, you plan to fail. Although your accountant or business advisor can help you prepare your business plan, only you can set the appropriate goals and follow through on them. Yes, you definitely need a business plan, not just for obtaining capital, but as a roadmap for your business.

Popular Misconception #6: “I like bartering with clients because it saves paperwork and taxes.” Are You Reporting Barter Transactions?

Bartering is an excellent way of doing business. However, contrary to popular belief, some barter transactions are taxable, both for income and sales tax purposes.

Legally, you must maintain adequate financial records for your business. Barter transactions made by your business must be reported to the appropriate taxation authorities and taxes paid. However, transactions between friends not engaging in business with each other may not be taxable.

If you are an auto mechanic and I am an accountant and I swap accounting services for your car repair services, the transaction in this case is most likely taxable, even if we are friends. However, your accounting fees should be deductible as a business expense and so should the business portion of my car expenses. Note also that sales and similar taxes may apply on this transaction.

On the other hand, if I trade accounting services for a vacation for my family, I should really declare the value of such services as income. The firm supplying the vacation would be able to deduct that value as accounting fees. Any sales or similar taxes would have to be paid on such transaction.

Many persons don’t record such transactions. For some, it may be a matter of wanting to believe that you don’t need to be bothered with the extra paperwork or taxes. Remember, though, that ignorance of the law is no excuse. Legally, you must keep proper records and pay all taxes due.

Popular Misconception #7: “All My Workers Are Self-Employed, So I Don’t Need To Bother With Payroll Or Workers’ Compensation.” Do You Need To Pay Payroll Taxes?

To save on payroll taxes and workers’ compensation premiums, many employers arrange their affairs in such a way that those working for them are self-employed, independent contractors. This is good tax planning.

On the other hand, some employers take the position that all those working for them are self-employed, whether they are or not. Although it is tempting to eliminate payroll taxes and workers’ compensation premiums, care should be taken to do so legally.

Whether those working for you are employed or self-employed is a question of fact (which can be determined by the Courts). Do you supply the tools and vehicles? Do you determine the working hours? Do you have the right to control how the job will be done? Do you pay a flat-rate or by-the-hour or a salary? Does your worker have other clients?

By asking several such questions, a pattern will emerge as to whether your worker is employed or self-employed. If it turns out that your worker fits all the criteria of an employee, don’t say he’s self-employed. On audit, you would still be responsible for the payroll taxes (and penalties and interest as well).

Even if your workers are considered independent contractors by the Income Tax Department, it is still possible that they will be considered to be “workers” for purposes of Workers’ Compensation legislation. Thus, it is the responsibility of the employer to determine whether such coverage is necessary or not. Failure to obtain proper coverage could subject you to substantial (and unnecessary) costs.

In review, calling someone self-employed, doesn’t necessarily make them self-employed. If you have a dog, call it a dog. Your position that your dog is really a cat will not be successful. Likewise, make sure that your position regarding your workers is legally correct.

Popular Misconception #8: “My Accountant Charges Too Much. I Can’t Afford It Anymore.” Is Your Accountant Worth His Fee?

Many business persons view bookkeeping, accounting, and tax preparation as necessary evils. In their view, accounting fees are an expense to be reduced, deferred or even completely eliminated.

A good accountant, however, can give you benefits far in excess of the fees charged. Well-designed accounting systems will enable you to extract meaningful financial information for your business that will help you to manage it properly, avoid business failure, and alert you to declining sales, excessive expenses, tax opportunities, cashflow problems, and many other vital concerns for your business.

Your accountant can save you lots of money with the advice you receive on tax and other business matters. As well, a competent accountant can be a valuable resource in discussing business problems and opportunities with you.

Popular Misconception #9: “Nobody Makes Money On The Internet.” Can You REALLY Profit From The Internet?

Many people feel that the Internet is all hype. Many others feel that it is overrated. Still others are of the opinion that it may be good for some types of business, but not theirs.

Typical comments heard include: “I’ve lost money on the Internet…Major corporations have lost millions…Do you personally know anyone who has made money from the Internet?”

However, if you check out the list of recent billionaires, a high proportion of these are Internet-related, and many of them under forty years of age. As well as the very rich, you can find many cases of more modest financial prosperity resulting from Internet commerce.

It is true that many are losing money on the Internet. It is also true that many don’t know what they’re doing. However, with the proper assistance, you, too, could profit from the net.

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over thirty years.

To increase sales on your website, you must accept credit cards. To process credit cards, you could apply for a merchant account through your bank or other financial institution.

Sometimes, though, you would be further ahead to use the services of a credit card processor. This is especially true when you are first starting out and have more limited resources. In this way, you may process credit card transactions without the high front-end costs and requirements of a merchant account.

Here, then, are just a few ways of accepting credit cards without a merchant account. I personally use all of these vendors and can recommend them wholeheartedly.

1. ClickBank

If your product is downloadable (such as electronic books or software), you might consider ClickBank.com. For a $49.95 initial fee, you can process credit cards and on-line cheques for $1.00 per transaction plus 7.5% of sales.

You receive additional exposure through free listing on their website and through the search facilities of other websites, such as CBPortals.com.

As an added bonus, you have your own built-in affiliate program. You decide what commission (from 1% to 75%) you would like to pay your affiliates.

2. PayPal

PayPal.com has no initial fees. For just 2.9% of sales and $ .30 per transaction (and sometimes less), you can receive money from anyone.

Also, you can pay others by credit card or chequing account without supplying your personal credit information to the payee. PayPal can be used to collect money from your auctions, website sales, or even from friends or clients.

3. 2CheckOut

2CheckOut.com (2CO) can handle both intangible and tangible products. For an initial fee of $49.00, you can accept all major credit cards as well as online checks. Fees are just 5.5% of sales and $0.45 per transaction.

For this, you receive shopping cart, fraud detection, integration with third-party affiliate programs, multi-currency transactions, free on-line support, and more.

Incidentally, 2CheckOut.com has the same policy as ClickBank.com does with regard to sales taxes. Both companies take the position that you are selling your product to them and that they resell it to the final consumer. Thus, they claim that you are not subject to sales taxes on those sales.

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over thirty years.

THERE ARE PROBABLY MORE PEOPLE with bad credit in this world than people with good credit. If you’re either type of person you may want to consider:

• Borrowing collateral to make your credit stronger, or to reduce your interest cost, if you have a good credit score.
• Presenting a strong financial statement to any lender you want to deal with who makes the type of loan you seek.
• Getting a faster YES answer because you’re “a strong borrower,” with collateral, the type lenders love to lend to.

“WHAT KIND(S) OF ASSETS CAN I BORROW, AND FROM WHERE?” you ask. Here are your answers that you can use today:

“HOW CAN I CONVINCE SOMEONE TO ‘LEND’ ME their assets to use as collateral for a loan?” you ask. Here’s how you do this selling job to get successfully the collateral you need:

1. Prepare a Business Plan showing how you’ll use the money you plan to borrow with the asset(s) as collateral.
2. Show how your business will grow from the first year through its third year. Present the numbers-sales, profits!
3. Give a step-by-step schedule of your Loan Repayment plan, detailing how, and when, you will repay the loan you’ll use the collateral for. Show exact dates on which you will repay.
4. Provide a collateral “Freeing Up” Plan that shows what percentage of the collateral will be available, free and clear, to the supplier, as you pay off the loan-10%, 20%, 30% etc.
5. Present your Business Plan to owners, firms, estates, stock brokers, etc. who have access to collateral. Offer a 5% fee to the provider. If your Plan looks attractive and promises safety of the collateral, you have a good chance of getting your loan.

Copyright © 2006 by International Wealth Success, Inc. All rights reserved.

Tyler G. Hicks, the president of International Wealth Success Inc., is the author of many wealth building publications, including the Business Borrowers Complete Success Kit and the Guaranteed Loan Money Kit.

• Real Estate Investment Trusts Kit
• Multi-Family Home and Multi-Unit Real Estate Riches Kit
• How to Build Riches in Real Estate With Single-Family Homes Kit
• Finder’s World Business Kit
• ULOR Master Business Kit
• Private Loan Money Funding Kit
• Financial Broker/ Finder/ Business Broker/ Business Consultant Kit
• Import-Export Riches Kit
• Mail Order Riches Success Kit
• Loans by Mail Kit (Mail-Order Loan Success System)
• Small Business Loan Program Kit
• Mega-Money Methods Kit
• Loans-by-Phone Kit
• Guaranteed Loan Money Kit
• Venture Capital Millions Kit
• Business Borrowers Complete Success Kit
• Foreclosures and Other Distressed Property Sales Kit
• Hard Money Commercial Real Estate Loans Kit
• Phone-In / Mail-In Grants Kit
• Raising Money from Grants and Other Sources Success Kit
• Zero Cash Riches Success Techniques Kit
• Real Estate Loan Getters Kit
• The New Cash Flow Notes and Mortgage Cash-Out Program
• Fast Financing of Your Real Estate Fortune Success Kit
• Real Estate Riches Success Kit
• Cash Credit Riches System Kit
• Merchant Account Kit
• Starting Millionaire Success Kit
• The Fortune Builder’s Program Kit
• Four Doctor Loan Programs Kit
• Auto & Truck Leasing Kit
• Phone-In Mini-Lease Program Kit
• Franchise Riches Success Kit
• Professional Practice Builders Kit

IMPORTANT LEGAL NOTICES: Please Read!
Copyright © 1998-2012, Yenom Marketing Inc. All rights reserved.
Privacy Policy | Purchase Agreement | Terms of Use | Disclaimers and Disclosures
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by Tyler G. Hicks

NEW OR USED? BUYING AN EXISTING BUSINESS might get lenders on your side faster than starting from scratch. It also offers distinct advantages.

• Buying an existing business is usually less risky than starting anew. Top business experts say it’s the safest and most effective way to go into business by yourself, because:
• A formula for running the business is already in place.
• You hit the ground running. you don’t have to reinvent the wheel, which might be necessary if you buy a new business.
• You’ll have an established customer base. This can be a real boon while you work on marketing and promotions to further build your business.
• Equipment, facilities and inventory will already be in place.
• As in any business, you’ll need to do things like generate cash flow and hire employees. Buying an existing business should make this easier. If the business comes with existing employees, they should be familiar with many aspects of the business.
• Buying a business may give you valuable legal rights, such as patents or copyrights, which can prove very useful and profitable.

WHAT’S THE DOWNSIDE? Buying an existing business is often more costly than starting from scratch. At the same time:

• It’s easier to get financing to buy an existing business. Lenders feel more comfortable dealing with a business that already has a track record.
• The success rate of the new business is lower thn that for existing businesses.

LOOK FOR A SEASONED SMALL BUSINESS with a proven track record and at least 3 years of financial records. To locate suitable businesses:

• Check the “Business Opportunities” or “Businesses for Sale” classified sections of your newspaper and your monthly IWS Newsletter. Don’t forget to try similar searches on the Internet.
• Consider finding an expert business broker in your area to help you purchase your business most successfully.
• Find businesses you’re interested in and call the owners to see if they want to sell. If not, ask if they know anyone else who wishes to sell a similar business.
• Now hit the ground running! There are millions of businesses for sale right now throughout the United States and across the globe.

Copyright © 2006 by International Wealth Success, Inc. All rights reserved.

Author Bio

Tyler G. Hicks, the president of International Wealth Success Inc., is the author of many wealth building publications, including the Starting Millionaire Success Kit and the Fortune Builder’s Program Kit.

Business Kits from Tyler Hicks
• Real Estate Investment Trusts Kit
• Multi-Family Home and Multi-Unit Real Estate Riches Kit
• How to Build Riches in Real Estate With Single-Family Homes Kit
• Finder’s World Business Kit
• ULOR Master Business Kit
• Private Loan Money Funding Kit
• Financial Broker/ Finder/ Business Broker/ Business Consultant Kit
• Import-Export Riches Kit
• Mail Order Riches Success Kit
• Loans by Mail Kit (Mail-Order Loan Success System)
• Small Business Loan Program Kit
• Mega-Money Methods Kit
• Loans-by-Phone Kit
• Guaranteed Loan Money Kit
• Venture Capital Millions Kit
• Business Borrowers Complete Success Kit
• Foreclosures and Other Distressed Property Sales Kit
• Hard Money Commercial Real Estate Loans Kit
• Phone-In / Mail-In Grants Kit
• Raising Money from Grants and Other Sources Success Kit
• Zero Cash Riches Success Techniques Kit
• Real Estate Loan Getters Kit
• The New Cash Flow Notes and Mortgage Cash-Out Program
• Fast Financing of Your Real Estate Fortune Success Kit
• Real Estate Riches Success Kit
• Cash Credit Riches System Kit
• Merchant Account Kit
• Starting Millionaire Success Kit
• The Fortune Builder’s Program Kit
• Four Doctor Loan Programs Kit
• Auto & Truck Leasing Kit
• Phone-In Mini-Lease Program Kit
• Franchise Riches Success Kit
• Professional Practice Builders Kit

IMPORTANT LEGAL NOTICES: Please Read!
Copyright © 1998-2012, Yenom Marketing Inc. All rights reserved.
Privacy Policy | Purchase Agreement | Terms of Use | Disclaimers and Disclosures
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by J. Stephen Pope

Here are seven good reasons why both merchants and affiliate marketers should consider the Click2Sell marketplace.

1. Free To Join

There is no initial fee for joining Click2Sell, either as a merchant or an affiliate. In contrast, ClickBank charges an initial fee of $49.95 to the merchant selling products. PayDotCom allows the merchant a free account to sell one product.

2. Sell Unlimited Products

A Click2Sell account allows a merchant to sell an unlimited number of products. In comparison, ClickBank allows the merchant to sell five hundred products per account; additional accounts cost $29.95 each. PayDotCom will allow you to sell an unlimited number of your own products for $29.00.

3. Handle Both Intangible and Tangible Products

Click2Sell allows you to sell or promote digital (downloadable), physical (tangible) or recurring (subscription based) products. You can’t sell physical products on ClickBank.

4. Pay Up To Ninety-Five Percent Commission

Merchants can pay up to ninety-five percent commission to affiliates on Click2Sell. You can pay up to eighty percent commission through PayDotCom; affiliates earn up to seventy-five percent commission through ClickBank.

5. Affiliate Tools

Merchants may provide advertising media for affiliates to use through Click2Sell; PayDotCom has a similar provision. Click2Sell also has an advanced tracking system for vendors and affiliates. Unique referral links are provided to protect your affiliate commissions.

6. Flat Fees For Merchants

The selling fees for Click2Sell transactions are $1.00 for sales under $20.00, $2.00 for sales from $20.00 to $39.99, and $3.00 for sales $40.00 and higher. (They say that their pricing policy is as simple as one, two, three.) Of course, these fees don’t include the fees charged by payment processors such as PayPal, Moneybookers, or others.

7. Built-in Affiliate Network and Marketplace

Not unlike ClickBank and PayDotCom, Click2Sell provides both affiliates and customers access to your products.

Author Bio

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over thirty years.


IMPORTANT LEGAL NOTICES: Please Read!
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by J. Stephen Pope

Here are seven good reasons why you should consider PayPal.com as your credit card processing solution and merchant account alternative.

1. Accept Credit Cards Without a Merchant Account

You can accept all major credit cards as well as payments from bank accounts. Your customer doesn’t have to be a member of PayPal to pay by credit card.

2. Low Cost

There are no initial or monthly fees to join PayPal. Fees are 2.9% of sales and $0.30 per transaction; rates vary slightly by country and sales volume.

3. Flexible and Easy to Use

PayPal payments can be made in six different currencies for digital or physically shipped products, auctions, services, recurring payments (like subscriptions), et cetera. As well, PayPal is very easy to use and setup.

4. Shopping Cart

You can use PayPal’s free shopping cart or use other compatible third-party shopping carts.

5. Buyer Network

According to PayPal.com, PayPal has “more than 86.6 million accounts in 56 countries and regions …growing by 83,000 a day… One in three online buyers in the U.S. has a PayPal account.”

6. Merchant and Auction Tools

PayPal has a number of automated tools to make your life easier including financial reporting, shipping calculation, sales tax and value-added tax calculation, and much more. Since PayPal is an eBay company, it is designed to integrate well with eBay auctions.

7. Fraud Detection

PayPal claims to have “one of the lowest loss rates in the online retail industry.” Their Seller Protection Policy is designed to protect the merchant; their Buyer Protection Policy is designed to protect the customer.

Author Bio

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over thirty years.


IMPORTANT LEGAL NOTICES: Please Read!
Copyright © 1998-2012, Yenom Marketing Inc. All rights reserved.
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by J. Stephen Pope

Here are seven good reasons why you should consider ClickBank.com as your credit card processing solution and merchant account alternative.

1. Accept Credit Cards Without a Merchant Account

If your products are digital (such as electronic books or software), you can use ClickBank to process credit cards and on-line cheques. The cost is $49.95 upon signup and $1.00 per transaction plus 7.5% of sales.

2. Start Your Own Affiliate Program

With ClickBank, you have your own built-in affiliate program. You decide what commission (from 1% to 75%) you would like to pay your affiliates.

3. Receive Free Advertising

You receive additional exposure through free listing on the ClickBank website and through the search and advertising facilities of other websites, such as CBPortals.com.

4. Obtain Referral Commissions

Even without applying for ClickBank credit card processing, you can earn referral commissions on thousands of ClickBank Marketplace products.

5. Eliminate Sales Tax Problems

Since you must agree to sell your product to ClickBank for resale, ClickBank becomes the retailer responsible for collecting sales taxes — not you. ClickBank will not be subject to sales taxes in most jurisdictions. ClickBank is registered for European Union (EU) purposes and adds the appropriate Value Added Tax (VAT) to each applicable transaction.

6. Accept PayPal

ClickBank now accepts PayPal as a payment method. According to PayPal.com, PayPal has “more than 86.6 million accounts in 56 countries and regions …growing by 83,000 a day.”

7. Automated Product Delivery

After purchasing your product through ClickBank, the customer is redirected to a “thank you” page. This page may contain information about how the customer can download your product, thus automating your product delivery.

Author Bio

J. Stephen Pope, President of Pope Consulting Inc., has been helping clients to earn maximum business profits for over thirty years.


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by Tyler G. Hicks

Raising money for business or real estate is a lot easier if you use the sure and proven ways approved by all lenders, namely:

• Supply a short business plan with your loan application or venture capital proposal–typed!
• Tell, in your business plan, how the money will be used and exactly how it will be repaid, if you’re looking for a loan, or expected investor profits for venture capital you’re trying to raise for a business.
• Use rounded numbers for the loan or venture capital needed. Ask for a $100,000 loan instead of $99,800. Seek $1-million in venture capital, not $980,000!
• Never submit a hand-written loan application–it won’t get you a loan or venture capital today.
• Dress well if you apply in person. Dress-down casual doesn’t cut it with lenders today. Wear a suit and tie–ladies should leave their slacks at home.
• Focus on the lender’s or venture capitalist’s interests– a lender wants to be repaid in FULL and ON TIME! A venture capitalist wants to see his/her money grow fast!

Copyright © 2002 by International Wealth Success, Inc. All rights reserved.

Author Bio

Tyler G. Hicks, the president of International Wealth Success Inc., is the author of many wealth building publications, including the Private Loan Money Funding Kit and the Venture Capital Millions Kit.

Business Kits from Tyler Hicks
• Real Estate Investment Trusts Kit
• Multi-Family Home and Multi-Unit Real Estate Riches Kit
• How to Build Riches in Real Estate With Single-Family Homes Kit
• Finder’s World Business Kit
• ULOR Master Business Kit
• Private Loan Money Funding Kit
• Financial Broker/ Finder/ Business Broker/ Business Consultant Kit
• Import-Export Riches Kit
• Mail Order Riches Success Kit
• Loans by Mail Kit (Mail-Order Loan Success System)
• Small Business Loan Program Kit
• Mega-Money Methods Kit
• Loans-by-Phone Kit
• Guaranteed Loan Money Kit
• Venture Capital Millions Kit
• Business Borrowers Complete Success Kit
• Foreclosures and Other Distressed Property Sales Kit
• Hard Money Commercial Real Estate Loans Kit
• Phone-In / Mail-In Grants Kit
• Raising Money from Grants and Other Sources Success Kit
• Zero Cash Riches Success Techniques Kit
• Real Estate Loan Getters Kit
• The New Cash Flow Notes and Mortgage Cash-Out Program
• Fast Financing of Your Real Estate Fortune Success Kit
• Real Estate Riches Success Kit
• Cash Credit Riches System Kit
• Merchant Account Kit
• Starting Millionaire Success Kit
• The Fortune Builder’s Program Kit
• Four Doctor Loan Programs Kit
• Auto & Truck Leasing Kit
• Phone-In Mini-Lease Program Kit
• Franchise Riches Success Kit
• Professional Practice Builders Kit

IMPORTANT LEGAL NOTICES: Please Read!
Copyright © 1998-2012, Yenom Marketing Inc. All rights reserved.
Privacy Policy | Purchase Agreement | Terms of Use | Disclaimers and Disclosures
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by Tyler G. Hicks

Grants give you money that never need be repaid, if you do all the work for which the grant was made. So how can you be more successful in getting grants? Here are your answers:

1. The purpose of the grant is the most important item in a grant’s approval. The more important the purpose of the grant (such as health, education, job training, etc.), the easier it is to get the grant.
2. The number of people who will benefit from a grant is next in importance. The larger the number, the easier it is for you to get the grant.
3. The need for the grant is the third item in its final approval. Thus, the greater the need for the grant, the easier it is for you to get approval for it.
4. The amount of the grant is the fourth item in its approval. Why? Because grants in larger amounts are often easier to get than smaller grants–if the amount of money needed is within the range of grants made by the organization to which you apply. So start NOW!

Copyright © 2002 by International Wealth Success, Inc. All rights reserved.

Author Bio

Tyler G. Hicks, the president of International Wealth Success Inc., is the author of many wealth building publications, including the Raising Money from Grants and Other Sources Success Kit and the Phone-In / Mail-In Grants Kit.

Business Kits from Tyler Hicks
• Real Estate Investment Trusts Kit
• Multi-Family Home and Multi-Unit Real Estate Riches Kit
• How to Build Riches in Real Estate With Single-Family Homes Kit
• Finder’s World Business Kit
• ULOR Master Business Kit
• Private Loan Money Funding Kit
• Financial Broker/ Finder/ Business Broker/ Business Consultant Kit
• Import-Export Riches Kit
• Mail Order Riches Success Kit
• Loans by Mail Kit (Mail-Order Loan Success System)
• Small Business Loan Program Kit
• Mega-Money Methods Kit
• Loans-by-Phone Kit
• Guaranteed Loan Money Kit
• Venture Capital Millions Kit
• Business Borrowers Complete Success Kit
• Foreclosures and Other Distressed Property Sales Kit
• Hard Money Commercial Real Estate Loans Kit
• Phone-In / Mail-In Grants Kit
• Raising Money from Grants and Other Sources Success Kit
• Zero Cash Riches Success Techniques Kit
• Real Estate Loan Getters Kit
• The New Cash Flow Notes and Mortgage Cash-Out Program
• Fast Financing of Your Real Estate Fortune Success Kit
• Real Estate Riches Success Kit
• Cash Credit Riches System Kit
• Merchant Account Kit
• Starting Millionaire Success Kit
• The Fortune Builder’s Program Kit
• Four Doctor Loan Programs Kit
• Auto & Truck Leasing Kit
• Phone-In Mini-Lease Program Kit
• Franchise Riches Success Kit
• Professional Practice Builders Kit

IMPORTANT LEGAL NOTICES: Please Read!
Copyright © 1998-2012, Yenom Marketing Inc. All rights reserved.
Privacy Policy | Purchase Agreement | Terms of Use | Disclaimers and Disclosures
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