JM asked:


I’d like to operate a Business and Trade Organization outside the US. If I have a sole-proprietorship type of business, can I do that? If I decide to form an alliance with another business outside the country, would I have to change into a Corporation?

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Victor asked:




TVI Express is one of the most recent home business opportunities to come on to the scene. It has arrived with much fanfare and some pretty bold claims. Many distributors claim that you can take a one time investment of $250 and turn it into $10,000 in a very short period of time. While this sounds like a fantastic idea, is it realistic to expect this? Haven’t we heard similar claims before from other companies? Let’s take a look at what TVI has to offer and whether or not it lives up to expectations.

TVI Express is a direct sales company that sells travel and travel-related products. They have exclusive relationships with some of the biggest names in the travel industry. Some of their biggest partners include Royal Caribbean, Carnival Cruise Lines, Disney, Hilton, British Airways, and Hyatt. Right off the bat, you should feel a little more comfortable with the company considering it deals with some of the giants in the travel industry. 

One of the main advantages of the TVI business model is that they have positioned themselves in front of the largest trends in the world today: internet sales, home business, and travel. The home business industry has grown rapidly in recent years and shows no signs of slowing down. In today’s economy, many people are looking for a way to make some extra money and TVI fills that need. The internet is obviously growing in scope and effectiveness. If you don’t see the power of the internet, then you might want to take a look around. In addition to these two huge trends, TVI has also included travel as one of the main areas of emphasis in the company. Travel is something that everyone wants and when you can provide it at low prices online, you’ve got a big competitive advantage. 

While these three things are important, you’re probably asking yourself, “What does this have to do with me?” Regardless of how successful a company can be, it doesn’t mean much to you individually unless you think that you can get a piece of it. With TVI, this has been taken care of in a big way. The difference between this company and other similar business models is in the way that the business is built. 

With TVI, it is truly a team game. You are not out there on your own. You come into a team and you get wealthy as a team. Unless you succeed, the people who brought you into the company will not succeed. Therefore, it is in their best interest to help you get prospects. You have to do your share, but your team will help you with enrollments. If they don’t, they don’t make any money either. This is not your typical MLM company that can hang you out to dry. It truly is a revolutionary way to build a business. When you get promoted, you’ll bring in $15000. This has been accomplished by many distributors within 30 days from signing up with the help of the team. 

So far, TVI has lived up to the hype. You’ll find generally good reviews about the company everywhere and a lot of happy distributors. Hopefully this TVI Express review has helped you with many of the questions that you may have had about the company.



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Lauryn asked:


I’m trying to create a personal business and I have business cards and have made flyers for my business. It is pet sitting and many other things. Someone else beat me to the pet sitting, but I still want to practice my other businesses. I have made prices and have references, but nobody is calling. I haven’t put up the flyers yet, because I don’t know where to put them! I also have a babysitting business too. What kind of other promoting should I do, and any other ideas for different businesses?
I don’t want to do any online surveys.

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Julian Davidson asked:




President Franklin Roosevelt signed the Emergency Banking Relief Act (EBRA) in 1933 during the Great Depression. This act dictated the closing down of some banks and reopening of others that have the strong backing to survive the crisis and which have been inspected to be financially secure.

The same bill gave the Secretary of the Treasury the power to confiscate the gold owned by individuals in exchange for some amount in the form of paper currencies, which can devaluate as the gold devaluates.

The act was very controversial since not so many members of the Congress had the chance to review or study the act first before it got passed as a law. Most of the congress representatives also only heard of the act when the clerk read it.

Three hundred days after the passing and signing of the bills, 5000 banks got inspected and passed and were opened again. Under the Emergency Banking Relief Act, people regained their faith in the banking system as more than sixty five percent of all US banks reopened.

President Roosevelt and the Congress representatives that allow the act provided a solution that temporarily solved one major economic problem that time. The 1933 Banking Act that followed suit became the more permanent solution to backup the EBRA leading to the birth of the Federal Deposit Insurance Corporation or FDIC.

The Great Depression of the 1930s

The Great Depression is considered as a reminder and warning of how modern economy can crash and fall really hard. This huge world economic phenomenon occurred in most places in the year 1929 and concluded at different periods in the 1930s in different countries of the world.

This economic crisis rooted from the United States and is also earmarked as the beginning of the stock market crash in 1929, which was, coined Black Tuesday. The Great Depression completely ended in 1939 during the economy war of Word War II.

Effects of the Great Depression

* Sharp decline in international trade

* Devastating effects on exportations of raw materials

* Decline of income

* Grave effects in tax revenues, prices, and profits

* Cities that depended on heavy industries got hit very hard in terms of business viability

* Construction in many countries stopped

* Prices of crop dropped to sixty percent making farming and rural areas suffer

* Wall Street crashed

* Very few alternate sources of income for the people especially in farming, mining, and logging

Different countries saw the depression end at different times. Almost all countries have devised their own relief programs as many of these countries experienced political instability.

This crisis caused a great damage in the banking system in America. When the Wall Street Crash happened, private banks, which had investments in the form of stocks and shares, saw a significant lost of funds. The Bank of United States was forced to close down in 1930 and many small banks found it extremely hard to cope. In just a few years time, one-fifth of all banks in the United States closed down bringing with them the life savings of so many people.



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theman400 asked:


I’ve always thought that the meaning of a busniess administration degree is so that an individual can start his/her own business. Is that true? What types of jobs are out there for people who just want to work in a business field?

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Sherry Ridge asked:




In my 15 years of helping families with their personal finances, it seems that as our economy and workforce continue to change the struggles of many families go beyond basic budgeting and debt elimination consulting.

Those of us debt free and/or on the path may never experience the challenges that a newly widowed mother, or divorced father goes through just trying to keep food on the table.

I participate in several non-profit groups that strive to help under served community members, and each time I leave one of these families, I hear the words, “There by the grace of God go I.” I acknowledge the gifts I have and the benefits that have come my way from being debt free and living within my means. Many families want this opportunity as well, but they feel that they are so far gone that they don’t believe it is available to them or they struggle just to get gas in their car to go to work and long term thinking is not a luxury that they have right now.

For those of you who have friends or family that are barely making it each month, the following are services/ideas that they can look into when times seem too tough to bare.

Utilize tech schools for minor car repairs, personal care (such as hair cuts and manicures), dental check up’s and much more. Call your local community college to see what programs/service they have available to the public.

Contact your local Rotary, Kiwanis’s or Exchange Clubs to see if they have a Children’s Winter Coat program. Many of these service organizations donate new coats and gloves to children.

Get your children’s lunch and some school fees reduced to pennies on the dollar, if any at all. Many families qualify for free lunch and when doing this they also qualify to have school registrations fees as well as sporting and club fees waived or reduced.

Ask your PTA’s/PTO’s and/or Athletic Booster Clubs if they have programs that help children with sporting equipment/school supplies.

Check with the YMCA or YWCA about programs they have to help families with child care costs.

Investigate the health insurance opportunities in your state. For example all children living in Illinois have health insurance benefits available to them, even those in families making $60,000 a year.

Reach out to your church services department, many churches not only run pantries, but they also have programs to help families struggling to pay a utility bill.

Visit your local food pantry, you can call your town hall, church or even police station to see where one is close to you.

See a case manager at any social service organization to see what programs you and your children may qualify for. I know of an organization that offers homework help to children for free. Remember that these programs are mostly non-profit, which means that most of them are operating by using our (yours and mine) tax dollars. To see a case manager should cost you nothing.

Look into health departments, health fairs from hospitals, Senior Centers, etc. for free immunizations and check-ups for families.

It’s important for me that I personally give back more than I take. We all need a helping hand at some point in our lives, it may be help to pay a medical bill, get school supplies for our kids, a ticket back home to attend a parent’s funeral or simply a compassionate ear and heart to lean on.

We all need to give a helping hand as well, when we are in a better position ourselves; we can offer more than we took at the time we needed it.

Don’t sit and suffer alone, reach out to your community members, your friends, your family and your neighbors. There are places to turn; doing a little research and using the resources around you can make a difference.



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Mercy Maranga asked:




When many people think of finances they automatically think about money. While this is true there are various aspects of finance that many people are unaware of or even have little understanding. It is generally about the way that you manage your money, assets and make investment decisions. The manner in which you handle your money can make the difference between you being financially stable or unstable. If you learn how to discipline yourself and come up with a realistic budget you can manage to survive through financial difficulties.

However, it is easier said than done to execute what few are able to accomplish. It is important that you master your finances no matter how little your income is. You have to gather and research as much as possible so that you are in a position to increase your income while reducing your expenses. There are many sources of information to guide you on what can help you improve your financial situation.

When you are in a position to manage your debt, income and expenses, then you are in a comfortable place. When you want to come up with a proper budget, you have to add up your total income and then your total expenses. This should be a start to track each monthly expense. Look into your credit cards, your loans and find ways to improve your finances. This will help you have a clear picture of what you can cut back on and where you can source some extra income.  

Many hardworking people make mistakes because they do not have a clear understanding of how they are spending their money on a monthly basis. When you are dealing with your finances, you have to have a long term target so that you can have security when you are retired.



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William Acosta asked:




A no doc business loan is a great way to secure a loan for your start up business. Like the name suggests this particular type of loan does require the expansive forms or complicated paperwork of other business loans. It is therefore much simpler to attain.

Unlike other loans that require proof of income, current employment, or a statement of current assets, all that the bank or lending institution requires for no documentation lending is a credit report and ownership of a fairly valuable property for collateral. This is typically the right course of action for those individuals who have an income that is hard to prove, have good to excellent credit, and do not want to waste valuable time with complicated forms and procedures. This arrangement can be used to purchase single family homes, townhouses, manufactured homes, and some condominiums. However, some lending institutions offer this method to business investors. This is a hassle free method for those who can afford it.

Typical applicants for a no doc business loan are individuals who have a hard time proving their income. While this sounds like a unique problem, it is actually a real problem for many people. Those of us who work and generate an income from home or have an unpredictable profit base may not be able to predict future earnings or show documents proving past earnings. Large or small scale investors are particularly prone to this problem. With so much capitol moving in and out of accounts and properties changing hands, it can be difficult to assess or even list the value of current assets. For this reason many investors choose to pay a little more for a loan in order to limit the time consuming process of securing the financial endowment.

Typical real estate purchases include low rise condominiums, single family homes, pre-manufactured homes and trailers, and apartments. Most financial institutions are fairly strict about the types of properties they issue no doc business loans to. However, some programs allow the purchase of high rise condominiums, 4-6 unit buildings, second homes, and other investment properties. These opportunities are what business investors look for because they take advantage of the easy loan process usually reserved for first time home buyers. Again this process only requires a strong credit approval and a semi valuable asset for collateral – two stipulations that most investors have no problem procuring.

While this financial process is quick and efficient and does not require the typical hassle that other processes require, it does cost more to procure. If your situation allows you to do so, then verifying your employment or declaring a comprehensive list of assets will lower your lending costs. However, most investors who attempt to procure this type of loan are not going to retain ownership of the said property for a long time. Therefore, the specific lending costs, interest rates, and mortgage penalties are of little importance.

A no doc business loan is easy to procure. However, the cost associated with such a financial situation is more than a more thorough loan application. Despite this fact, a loan of this type can be an easy way for investors to quickly guarantee capital for investment projects.



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