What To Look For In The Best Franchise Opportunities

There are many factors in determining what the best franchise opportunities are today. It would be easy to say it depends on the potential franchise owner and you’d be right. However, from a business perspective, it’s crucial to look at all the positives and negatives of typical franchises to see which ones have more positive attributes than negative attributes.

First let’s look at the positives in franchise opportunities. Franchises are successful because they have proven systems that work therefore business owners don’t have to go and ‘reinvent the wheel’. The best franchise opportunities usually have very strong name brands that are well established along with a streamlined training system that when followed will usually produce success. More positives include having pre-established relationships with vendors and suppliers, clear cut marketing initiatives and somewhat of a quick time to get up and running.

On the other side, owning a franchise has a few limitations. For the most part, you are NOT allowed to modify your pricing, promotions, advertising, processes, etc. You are somewhat limited in your creativity which can be a good thing or a bad thing. You will most likely have territory restrictions, royalties that you have to pay on gross sales, you have to contribute to an advertising campaign and sometimes you have to open your store where the company says.

Furthermore, to become a franchise owner you usually have to have good credit, a considerable net worth and you must receive approval from the company to own a franchise. That kind of sucks because someone has to ‘approve’ you to be an entrepreneur. Finally, most franchise will NOT make you wealthy by only owning 1 franchise. It usually requires owning multiple franchise because they just aren’t scalable.

The best franchise opportunities today are really defined by 2 main factors. The first one is choosing a franchise that is in 100{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} alignment with your values and something that you’re really passionate about. No matter how many ‘positives’ or ‘negatives’ your franchise might have, if you’re not 100{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} passionate about the business, industry, products or services, you’re not going to be very successful because you’re just not that into it.

The second main factor involves having a lot more positives in the franchise model meaning that some of the traditional business bad things don’t exist. In today’s economy, online franchises really have a lot of benefits and positives without the traditional headaches or traditional pitfalls of owning a franchise.

When determining the best franchise opportunities for you and your family, always do your due diligence, never leave any stone unturned and make the best decision based on what’s aligned with your goals and values and what you’re 100{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} passionate about.

It Is Now Easier To Get A Wachovia Loan Modification

Frustrated borrowers stuck with the risky and unaffordable Pay Option ARM loans may be getting a break on their applications for a Wachovia loan modification. The recent final approval for the purchase of Wachovia by Wells Fargo Bank may open the door for a more aggressive loan modification program for homeowners facing default on their mortgage loans. Prior to the announcement of the purchase, Wachovia had implemented a beneficial loan workout program that offered their clients a low, step rate loan modification to help them avoid foreclosure and stay in their homes.

However, during the finalization of the Wells Fargo take over, borrowers experienced an extremely uncooperative response when applying for a Wachovia loan modification. The previous program was discontinued, and borrowers were routinely told that Wachovia was not offering any type of loan modification program to needy borrowers. The most a homeowner could hope for was a payment deferral or repayment plan. These two options are short term solutions at best, and not beneficial to the majority of borrowers as a long term solution.

Now that shareholders have given the final approval for the buy out, predictions are that a more aggressive Wachovia loan modification program will be implemented to quickly resolve the high default rate on Pay Option ARM loans written for the majority of Wachovia customers. Wells Fargo $12.7 billion acquisition faces immediate stress as home foreclosures keep rising and unemployment forecasts paint a dim, and lengthy recession threat.

Wells Fargo now owns $482.4 billion dollars in a loan portfolio that will produce $60 billion in losses over the next three years, and about 60{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} of that will come from the Pay Option Arm mortgages. That is a big incentive to find a cost effective, far reaching and streamlined Wachovia loan modification program to help the lender get those bad loans off their books. Homeowners who have been facing a brick wall may now find that they will have the opportunity to obtain a loan workout to avoid foreclosure and stay in their home.

Borrowers trying to get a Wachovia loan modification will have to be patient and persistent for now. There is no time line in place yet, however homeowners who are actively pursuing a loan workout with Wachovia should stay the course and work within the current system so that they will be in position to move forward as soon as any new program is implemented. Wells Fargo will have to make some tough decisions on how to best write down these loans, but borrowers could see a real benefit as the lender moves forward to clean up the mess they inherited.

How Business Cash Advance Can Save Your Business from Financial Crux

Cash flow is the interior and exterior of your business and is the lifeline for all businesses. Income could be referred to as cycle: your company uses cash to get assets which are then used to create products or services. They are then offered to get some funds and so the cycle is repeated. But what’s most important is that you positively manage and control these cash inflows and outflows.

Sometimes, when individuals are battling for capital to help keep businesses running, they get eccentric assets for financial help. Many banking institutions don’t really extend cash rather offer assistance and counseling that increase the cost of caring the client.

Cash advances and unsecured loans really are a better option to get your business quick money in crunch financial situations. The micro-banking companies offer several kinds of loans and cash advances to businesses for all needed reasons. Financing might be granted as secured or unsecured. In secured loan, collateral is provided to assist guarantee payment in case of default. In unsecured loan, no collateral is provided except just the borrower signature being a legal promise to pay back the loan amount as contracted.

Unsecured business loans and cash advances come in good belief that the borrower will repay the loan amount as contracted. Such cash advances can be for a lot of productive reasons including purchasing equipment and appliances, renovation, paying for bills or financing that dream franchise.

The opportunity to pay back the current and proposed obligations is crucial while approving financing. Cash advance loans are usually declined to those who’ve a present past due advance. Generally cash advance schemes the borrower’s ability to pay back is dependent upon the borrower’s monthly credit card sales receipts.

There are many benefits of business cash advance lending. The cash advance lenders are very flexible while approving this type of business loan. Even if your business has a low credit score, you can still get cash advance financing. Also the process of getting a business cash advance is instant. The loan application process is very simple, you just have to fill an online application form and the money will be transferred to you in just few business days. The cash advance can also be used for any business purpose without any restrictions. This way you can distribute the cash any where you deems fit.

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{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 5.875{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} with APRs of 5.626{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 5.842{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, respectively. The 20 year fixed interest rate is at 5.625{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 6.125{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} with APRs of 5.828{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 6.098{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 15 year fixed is at 4.875{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 5.125{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} with APRs of 5.082{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 5.258{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 10 year fixed interest rates are 4.750{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 5.125{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} with APRs of 5.045{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} to 5.232{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}.

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{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.42{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} and 0.40{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, respectively. This has a minimum deposit of $1,000.

The 3 month CD is earning an APY of 0.15{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.15{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179} and 0.15{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, respectively. The 6 month CD is earning an APY of 0.25{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.20{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 0.20{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 1 year CD is earning an APY of 0.50{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.45{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 0.45{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 18 month CD is earning an APY of 0.55{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.50{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 0.50{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}.

The 2 year CD is earning an APY of 0.50{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.45{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 0.45{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 3 year CD is earning an APY of 0.70{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 0.65{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 0.65{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 4 year CD is earning an APY of 1.05{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 1.00{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 1.00{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}.The 5 year CD is earning an APY of 1.25{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 1.20{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 1.20{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 7 year CD is earning an APY of 1.75{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 1.70{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 1.70{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}. The 10 year CD is earning an APY of 2.00{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, 1.95{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}, and 1.95{65ddd8f4f25a0fb45d9205d47aaf7fcc6c72f8ba3c4f0678e30dbcef53954179}.

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

Voip Total Phone Solutions For Small Business

If you are like most businesses, the answer lies somewhere between ambivalence and total disdain.

All small business owners know the importance of low cost overhead. Working smart with your money has never been more important than it is in today’s economy. A very efficient way for small businesses to save huge dollars is by subscribing to a small voip phone system, also referred to as voice over internet protocol services. It is a method for making telephone calls by using the Internet. The technology became available around 1990 but with the recent advancements it has become a strong replacement for the traditional land line service.

One of the reasons that Internet VoIP is so popular is because it is very inexpensive as well as dependable. All of the equipment such as bluetooth voip headset, voip phone adapter, and headaches are hosted by the provider so all the business needs to worry about is the Internet connection and a telephone. In some cases you’ll be able to use the same telephones that you used for your land-line while others a special Voip broadband phone will be the best solution. The call quality is so good that rarely would anyone know that you were not using a land line. The provider keeps all the updates and relative maintenance up to date so having equipment or a service that becomes obsolete is not a concern.

The cost of Internet VoIP is so inexpensive because the calls are able to transmit over the Internet in place of a local telephone company’s system. By bypassing the local telephone company there is no fees that have to be paid to them. The process of dialing out and receiving calls is the same. You will need a high speed Internet connection and small voip phone system that is on at all times with a bandwidth large enough for the transmissions to always be clear.

To get started with Internet VoIP you’ll need to choose a voice over internet protocol providers and subscribe to the voip phone plans that best fits your business needs. With all the Internet VoIP options and providers now in the market place, it can be confusing for businesses to know what they need and the best provider for them.

AVAD Technologies, specialists is small business Hosted VoIP, has launched aggressive new pricing on its Hosted VoIP Phone Service. If you are thinking about switching your business to VoIP or just have some questions, please feel free to call (800) 733-4136

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