Financial Service Info

The weekly top 5 tips post is always full of helpful hints and advice for small, home and micro business owners.

1. For full-scale exporting of a product, extensive market research is essential before even considering it. The financial impact of exporting abroad should never be underestimated as it will put a great strain on your resources and cashflow.

2. Think carefully about whether the features of your product would appeal to a specific country and also whether there is a gap in the market in that territory which you might be able to exploit. Rapidly growing countries such as China and India are ideal export targets.

3. It can be very helpful to have existing links with the country you plan on exporting to e.g. having friends or family in residence. However, you should not use this connection as the sole reason for exporting anywhere.

4. Exporting will force you to acquire a whole new set of skills.

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If your small business sells knowledge or services, its tough to repossess what youve sold once its gone if the client decides not to pay the bill.

At least once a week, I hear from a small business owner who is fighting to get the money they deserve from some deadbeat client who has decided not to pay.

Thats why, no matter what, you always need some sort of written agreement with your clients. It doesnt have to be a full-blown contract, a letter of agreement will do. Just make sure that it spells out what you will provide, when and how your client will pay you.

Your best bet is to write up an agreement you can use as a template when selling your work. Make sure you have your attorney take a look at it. It will be money well spent.

Or you can check out some of the free forms and consulting agreements that are available at Rocket Lawyer where all legal documents are free to try. Look around, you may find exactly what you need.

The Dayton Business Journal Dayton Business Journal Latest from The Business Journals Dayton Business Journal wins awardsMilano’s barely holds pizza poll leadOhio Workers Comp chief works to fix rising claim costs Follow this company had roughly 70 stories on its Web site this week that attracted thousands of visitors to read about the breaking news of the day in the business world.

Those stories included features on new technologies, mergers, politics, health care and social media. It includes features and breaking news stories on such companies as Apple Inc. Apple Inc. Latest from The Business Journals Apple, RIM patent decision set for next weekApple, RIM patent decision set for next weekPhone messaging firm releases iPhone app Follow this company , PNC Financial Services Group PNC Financial Services Group Latest from The Business Journals F.N.B.’s Parkvale acquisition benefits other banksBanking RoundupPNC will take on familiar faces as it grows in South Follow this company , Facebook Facebook Latest from The Business Journals Report: Facebook share deal leads to suit against Second MarketMilano’s barely holds pizza poll leadFacebook twins push new lawsuit Follow this company , Google Inc.

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Savings Accounts and Money Market Rates provided by 9 June 2011 Traveling has also had its fair share of hassles, particularly when it comes to money. Exorbitant exchange fees or the hassle of a lost credit card can ruin a lot of trips, but Michelle Higgins of The New York Times notes an increasingly common problem for many travelers is the growth of new “Chip and PIN” credit cards.

Nearly all in the United States rely on magnetic stripes, as they have for decades. In Europe, Canada and much of the rest of the world, however, the credit card industry is well on its way through a transition to chip and PIN technology. These new cards include an embedded microchip that substantially increases data security and requires active authentication in the form of a PIN. According to Visa, nearly 60 percent of all European credit cards rely on chip and PIN technology.

Many travelers from the U.S. have found themselves stuck without any cash and with a credit card they did not realize was outdated. Read all post…

A Chinese-backed consortium has become the first firm approved to facilitate immigrant investments in Oregon.

American United Development Group, a California-based firm with offices in Vancouver, B.C. and deep ties to Asia, is the first firm to secure approval to facilitate immigrant investment in the state from the U.S. Department of Citizenship and Immigration Services. CIS approved American United’s application to become a “regional center” on June 9. At least five other firms have made similar applications.

The EB-5 program allows wealthy foreigners who invest $1 million in the U.S. to immigrate and eventually become citizens. The U.S. is on track to secure $1.25 billion in so-called EB-5 investments in 2011.

The investments must generate new jobs or legitimately preserve endangered ones.

American United is teaming with Business Oregon and the Portland Development Commission Portland Development Commission Latest from The Business Journals Jobs may not return unless economy changesPizzicato founder takes different tack0M for courthouse plan Follow this company to identify investment opportunities. It

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Making money may appear in a slow snail’s pace when you are working in a regular job. In order to rake cash in, you need to be willing to explore some other avenues to make money. 1 such method could be through proprietary trading. When you engage in stocks for example as being a day trader, and you have the best training and the appropriate skills, you’ll be capable to amass a huge amount of money. Here, the best software would also have to be utilized.

Let us say you believe there is far more room for you to create money in this world and you opt at it finding your way through the classes and seminars which prop trading companies provide. Although you may don’t hold the skills in accordance with investment and trading, you can study much right from getting education and signing up with courses and classes that cope with what a day trader does. Possibly you need to enter into careers in proprietary trading, you can study all you need about immediate access, level 2, high frequency,micro and so forth. You w

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Centara Hotels & Resorts has announced that its second property at Ao Nang in Krabi will soft-open in September.

Centara Anda Dhevi Resort & Spa Krabi is a newly-built, four-star property situated in extensive grounds and spread across five low-rise buildings.

Just 100 meters away from the sands of Nopparat Thara Beach, the resort is also conveniently close to the center of Ao Nang, famous for its tourist sites, and shopping and entertainment facilities.

Centara signed a management contract for the property with Anda Dhevi Resort and Spa Company Limited in January 2011.

“We are very proud that Dr. P

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Mortgage giant Fannie Mae is scaling back its predictions for a recovery in the housing market following a month of reports that suggest the economy is weaker than expected.

Fannie is now calling for overall home sales to increase by only 4.3 percent this year, down from the 6.0 percent increase it was predicting only last month. It’s also predicting that construction of single-family homes will actually decline in 2011, compared to the slight increase predicted in the May Housing Forecast.   The June report, issued today, said that revised figures from the first quarter of the year showed that consumer spending was much weaker than originally believed, indicating continued softness in the economy. Combined with more recent data on slowing employment growth and manufacturing output, higher gas prices and lower auto sales, Fannie analysts concluded that growth in the economy is slowing.   To be sure, Fannie analysts said that a new recession is still unlikely and that many of the recent drags on the economy – such as high gas prices- are likely to be temporary. Manuf Read all post…

We are about to make some big changes to This is Money [find out more here] and also to the sites hugely popular Power Portfolio feature and market data tools.

We have listened to your feedback and are making it bigger, brighter and easier to use.

NOTE: We strongly advise you to take a print out of your existing portfolio today for comparison with the new one. While it will be migrated automatically in the background, you may find it throws up a few anomalies – particularly if you have entries that no longer exist following a takeover or fund name change.

We also ask you NOT to make any adjustments to your portfolio between now and when the new site is launched as these changes will be lost.

New features specifically for your portfolio will include: