We are bombarded daily with banks on the radio, television, newspapers, and the Internet of promises to be “small business friendly”, “small business oriented”, wanting to be your “personal small business advisor” and a panoply of packages taking care of all your business needs. What small businesses really need in this credit crunch since the mid 2008 is money, not personal hand caring services. So is there anyone out there really making small business loans? Very few.

But if you know where to look you can find one…

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It was formerly the case that the area of online marketing was thought to be its own distinct specialty. That has now evolved with the merging of on-line and off-line domains.

Sophisticated marketers know that best practices in communication and collaboration technology are just as applicable to online marketing as other marketing domains. This article highlights four time tested techniques to enhance your online marketing…

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The steps below clearly explain how to create a realistic budget; how to consolidate your credit cards; how to reduce the amount of interest that you’re paying; and how to make fewer payments.

Step one involves creating a realistic monthly budget, with “realistic” being the keyword, because just like a diet, if you can’t maintain it, then it’s not only worthless, but it can in fact be damaging.

Before we get underway, you’ll need are your last 3 months of bank statements and if you don’t have them, you should be able to download them, or get them from your bank within a day or two.

Now that you have the three bank statements, Read the rest of this entry »