Useful ideas & tips!!!

High Frequency Marketing
PR & Media Relations in Spanish - Website positioning


Your Lucky Break - But Can You Afford It?

You've just seen the chance to put together a great deal for

yourself - a "can't miss" new business, a chance to invest in

someone else's, or you've found the ideal property on which to

build your new home.  But you need $10,000 cash, and right away!

 Could you raise it overnight?  Could you raise it at all?

Actually, it's easier than it sounds, and if you can't do it

right now through the ways we'll show you, then you should start

making preparations so that, when your chance does come, you

will be able to raise the money overnight and take advantage of

some terrific deal.

Raise $10,000 in 24 Hours!

As a person who believes in getting the most out of life, we

assume you already have several national credit cards which

enable you to buy things when you want them even if you're

temporarily short of funds.  But did you know that these same

credit cards, nearly all of them, also allow you to "buy

money!".  The "cash advance" privilege that these cards extend

is the best way to raise the cash you need, immediately, and

with no questions asked!  If you have  reasonably good credit,

your credit limit on each of your credit cards should be $500 to

$1,000 at least, with American express often giving a $2,500

limit, and if you have ten cards with this cash advance

privilege, each with a $1,000 credit limit, you can simply go to

the banks involved, and draw out your $10,000!

If you don't have them you may not realize that it's

possible to have ten credit cards that offer cash advances, but

you must remember that different banks sponsor different cards,

and they all want you to use their card.  For example, you can

have a Visa from Chase Manhattan, and another, separate, Visa

from Bankers Trust, plus a Master Charge card from Citibank, and

a second Master Chargecard from Chemical Bank.  The possibilities

are numerous, and you should take advantage of them for this is

certainly the easiest way of raising cash quickly.  If you don't

hold these cards now, then you should begin to establish the

credit that will enable you to get them in the near future, so

you will have the reserves available when you too need to raise

cash quickly.

Top of the Line - the T&E Cards

Aside from the no-fee cards like Master Charge and Visa,

there are also the travel and entertainment cards like American

Express, Carte Blanche and Diners Club.  These cards charge a

yearly fee for holding them, and are more difficult to get (your

annual income and your credit standing must be higher), but the

amount of cash advances they allow you  to draw on are higher,

running as high as $2,000 or $2,500 each.  American Express even

offers a Golden American Express card, which many business men

use, which allows them about $5,000 of instant cash immediately!

Another Sure-Fire Way to Get Cash Fast!

Most bank accounts today, and yours is very likely to be

among them, come with automatic overdraft arrangements whereby

you can write checks for more than the balance you have in the

bank, and the bank will honor them merely automatically adding

loan money to your account, and charging you the interest due for

that loan.

In effect, this is an immediate and automatic loan to you,

without any current credit check  - which is especially handy

if, at the moment you need the money, you happen to be

unemployed, and planning to start a new business, which banks

sometimes look upon with disfavor, and refuse to loan upon until

you're big and successful!

So go ahead and write a check for the full amount that

you're allowed to draw upon, which is seldom less than $1,000,

and which, in  some banks goes to $5,000 or more.

If you're lucky enough, or provident enough, to have

established two or three bank accounts while you were in the

chips, each with its "ready-credit", "check-credit" or

whatever-they-choose-to-call-it provisions, you can, of course,

really cash in on this one, completely legally, and amass enough

capital for your new business.

Blood is Thicker Than Water!

If you're stuck for sources for capital, or at least for

sufficient capital for the business you  have in mind, give some

careful thought to whom you could ask to help you.  Almost all

of us have a favorite relative or two, and, if we're lucky, at

least one of those may have money.  Of course it's nice if he or

she has loads of it, we all like to have a rich uncle, but even

if the amount is not enormous, perhaps you'll succeed in

persuading one or more of your relatives that they should help

you, from whatever they've got put by for a rainy day.  Mother,

father, uncles, aunts, brothers, sisters, even cousins - try'em

all where there's any chance at all they might have some bread

stashed away, and might spring some loose for you.

If your relatives are friendly to the idea, but they want to

hold on to their funds, don't overlook another neat idea - one

of them can co-sign with you on a bank loan, and this almost

always ensures that your bank will go along with a loan that

they might otherwise have refused, or give you a loan for a much

larger amount than they would have granted you yourself on just

your own personal credit.  It's really no skin off their back,

just so long as you keep up the payments on the loan.  Of

course, co-signers are not restricted to relatives.  You can

have your best buddy, or your girlfriend or a fellow employee

co-sign for you.

Don't Forget Your Friends!

Sometimes we don't realize that we're lucky enough to have

some good friends, who, in a case of this sort, might be willing

to come through with a loan for us.

Insurance Policies Can Do More Than Just Protect You!

Depending on the type of life insurance policy you now hold,

and especially if you've had it for a number of  years, you may

be eligible to borrow against its "cash value".  In most cases,

this money is available to you at a very low rate of interest,

and also, generally, you can keep the money out, providing you

pay the interest, without having to repay the principal at any

set time.

Another Hot Idea for Raising Cash!

If you're buying the home you're living in, and have a

conventional home mortgage, you may not realize that if you've

been paying down the mortgage month by month for a number of

years, you have a considerable equity built up.  In addition,

your house may now be worth more than you originally paid for

it.  Therefore, either your present bank or another may be

willing to refinance your mortgage, which will provide you with

a chunk of available cash with which you can capitalize your new

business.  One advantage of this scheme is that you will most

likely not increase your monthly payment by very much, perhaps

it will not increase at all (although payments may extend for

additional years at the distant end). and thus you will not have

a heavy loan repayment schedule added to your obligations early

on in the beginning of your business.

Besides the possibility of refinancing the original mortgage

on your house, there is another way of using the equity you may

have in your house - you can get a second mortgage, either from

a bank or from professional lenders.  One reason why you might

go the second mortgage route would be if your first mortgage was

written at a very favorable rate of interest (such as 5 1/2% or

6%) which you would not be able to match on your refinanced

mortgage, and consequently you would not want to refinance the

larger principal amount.

A Windfall May Be In Your Attic!

Have you considered, while you're looking around for sources

of cash, what you have right in your own home?  Some of those

heirlooms, paintings or other antiques which you or your wife

may not care for, and which you may have stashed in the spare

room or the attic, may be worth a lot of money, far more than

you have ever imagined.  Get them appraised, show them to a

knowledgeable dealer or a friend who's an antiques buff, and

find out if you're sitting on a goldmine that you never even

knew existed!

Collect What's Due to You!

Do you have some friends to whom you have loaned money in

the past, and who have not yet paid you back?  Or are you owed

money for services rendered of one sort or another?  Or does an

ex-employer still owe you sick pay or vacation pay that he has

not paid you?  Don't let these things lie any longer unpaid -

you need that money now!  Put on the heat, make some urgent

phone calls, write a few letters.  For most collections, the

Small Claims court can be a great help.

For collecting from your employer, your best bet is the U.S.

Dept. of Labor, Wage and Hour Division, which will almost

certainly have an office in your city.  If your claim has merit,

they will make sure that you receive what's due you.

Summary and Recommendations

All of the many suggestions contained in this Report should

certainly get you the capital you need to start your business.

Of course, you  can combine two or more of the methods if no one

alone will provide what you're looking for.  And although we've

not specifically mentioned it, don't forget that regular

commercial banks (not savings banks, they're not allowed to)

will sometimes make loans for the establishment of new

businesses if the know the borrower from past experience, and

see a potential in the proposed business.  Don't assume they

will say no, and so don't ask them.  You'd be surprised, they

may just say "yes".  They're particularly likely to lend you

some of the money you need if you've already proved that you can

raise money and that you have the majority of the money you

need.  For example, if you've raised $10,000 already by other

methods, they may come through with an additional $3,000 for

working capital.

It's a fact that in raising money, the more you seen to

have, the more people will be willing to lend you, so once you've

begun to make money based on your initial $10,000, you will find

it easier to borrow more to keep you business or other new

venture going.  While not all of the ideas in this Report can

really be worked out overnight, once your foundations are laid,

in credit, in relationships with relatives, friends, venture

capital and government sources, it is easy to raise funds when

you need them, from people who have learned from experience that

you're a good businessman to lend to!

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