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What’s Next for Crowdfunding?

Posted By on Sunday, May 19th, 2013 | No Comments

Four years ago, the concept of crowdfunding moved into the mainstream when a website called Kickstarter came onto the scene. It wasn’t the first website of its kind, but before long, it became the largest. Today, according to an article on Wired.com, since Kickstarter began, it has been responsible for 38,000 successful fundings representing $141 million in pledges from interested persons. Although these figures are impressive, they could stand to be even more so in the months to come once the Securities and Exchange Commission finalizes the Jumpstart Our Business Startups Act, also known as the JOBS Act.

Details About the JOBS Act

On April 5, 2012, President Barack Obama signed the Act into law, and according to coverage on Entrepreneur.com, it’s expected that by this June, there will no longer be a ban on startups publicly seeking investors. Another phase of the Act will make it legal for startups to raise money online with help from non-accredited investors and offer them equity. Once the Act is fully implemented, it will permit general solicitation for the first time since being outlawed in 1934.

Equity Crowdfunding Donations Not Yet Sizable

A recent report from Massolution found that around the world, individual donors pledged $2.7 billion to over one million crowdfunding campaigns in 2012. Also, that figure represents an 81% increase from the previous year. Once the JOBS Act is ironed out, anyone will be able to use up to 5% of their annual income for crowdfunding ventures, and become genuine investors for a project. For now though, the Massolution study found that only 4% of crowdfunding donations went towards equity investments. Besides the delay of the JOBS Act Implementation, that’s likely because the crowdfunding industry remains mostly driven by rewards-based incentives ranging from signed art, to dinners with musicians and even walk-on film roles.

Possible Intellectual Property Disputes Cause a Shift

In September of last year, Kickstarter got attention after people heard about some projects that were ultimately taken down, reportedly because of possible intellectual property disputes. Following that, the website announced policy changes which did not allow simulations or other renderings within pitch videos for hardware projects. Some analysts felt that because crowdfunding websites like Kickstarter are drawing such high levels of attention, there’s nothing to stop potential copycats from going to the site in seek of inspiration. Since then, Kickstarter has moved slightly away from projects related to gadgets, and towards those related to the realms of music and design.

Crowdfunding Gets Charitable

A former pastor named Shaun King recently launched HopeMob, a crowdfunding website of a slightly different sort. It focuses on raising money for charity, and King believes that’s crucial. In an article in the Upstart Business Journal, King talked about how crowdfunding campaigns are “competing for each other’s stories,” but on King’s website, campaigns are driven by “the ills of society”. Unlike the majority of other crowdfunding platforms, the website doesn’t take a cut of any funds raised, because it’s a nonprofit entity. To get his idea off the ground, King combined social media skills with well-written stories about people in need. Although he turned to Kickstarter to raise the approximately $125,000 that helped the site become functional, King now relies on private donations.

From the above examples, it’s easy to see that crowdfunding is becoming an increasingly popular way for people to raise money for all types of causes. Moving forward, the landscape seems set to become even more exciting once the JOBS Act becomes fully implemented and people can depend on crowdfunding to readily become investors instead of just receiving rewards.

Writer Jena Daniels is a full-time freelance writer. Do you want to become part of new business strategies? You may want to check out the mba offered at Pepperdine University.

The Online Sales Tax Bill: What It Means, And Why Small Business Owners Are Opposed

Posted By on Friday, May 17th, 2013 | No Comments

The days of the tax-free frontier of the online shopping world have come to a close with the Senate’s recent passing of a bill that will subject online shoppers to state sales tax. The bill received support from Republicans and Democrats and was passed by a landslide. Under the former law, online sellers only had to charge sales tax if the store had a physical storefront such as Best Buy or Target. Sellers such as Amazon and eBay that only existed online were exempt from having to charge state sales tax.

The advantage that gives online stores is not fair, according to the Senate and other entities. “We ought to have a structure in place in the states that treats all retail the same,” claims Matthew Shay, president and CEO of the National Retail Federation. “Small retailers are collecting sales tax on the first dollar of any sale they make and it’s only fair that other retailers who are selling to those same customers the same product have those same obligations.”
But while Shay claims small retailers need online companies to charge state sales tax, small online retailers are strongly opposed to the new bill. So which small businesses do we listen to?

Online platforms have changed the way small businesses get to do business. In fact, the internet has democratized the ability to own your own business. And American consumers have benefited from wider shopping choices and competing online prices.

Why Small Retailers Should Be Allowed State Tax Exemption?

While larger online retailers that have to pay state tax because of their brick and mortar counterparts argue that small online retailers should pay state tax to even the playing field, the truth is small online retailers are operating at a higher cost than those giant companies. They are paying higher shipping and insurance rates that larger companies get bulk rate discounts on. Likewise, those online companies that also have brick and mortar store counterparts (brick and click retailers) do a lot more business because of their physical visibility. From 2008-2010, brick and click retailers increased their online sales from 33 to 38 percent, small online-only retailers saw their sales decline from 69 to 51 percent. Loading small online businesses with more online sales tax will further put larger corporations at an advantage over small online businesses.

Discrepancies in the Definition of “Small Business”

While the current tax bill exempts small online companies that sell under $500,000 of products, the Small Business Administration and foundations such as We R Here believes that the small business exemption (SBE) needs to be interpreted more widely to include larger online small businesses. According to the SBA, a “small” business is defined as a retailer with sales up to $30 million annually. Others argue that the small business should be defined by the number of employees rather than by sales numbers.

The online commerce platform has proven an empowering medium for small businesses that are better able to succeed without the hefty overhead of a brick and mortar establishment. More needs to be done to determine the fairest ways to handle state sales tax laws for small online businesses. We’ve already seen small and local businesses pushed out by large corporations in the physical world. It would be a shame if the same thing happened online.

Stacy Hilliard is an author for several business blogs and suggests Northeastern’s online MBA degree program.

Don’t Buy A Playa Del Carmen House Before Reading This

Posted By on Thursday, May 16th, 2013 | No Comments

Buying a Playa del Carmen house is a dream comes true for many. And why not? Playa Del Carmen is as beautiful and scenic as it can get. While scouting for a home many buyers get carried away with a property and end up buying something which they regret later on.

As an experienced real estate agent while I will wholeheartedly support your decision to invest in Playa del Carmen, I will at the same time urge caution and go slow to safeguard your investment.

There are few tips which I always recommend to buyers which will enable you to make a right decision without getting influenced by various factors:

1)      Make multiple visits and at various times of a day: Many homes look very idyllic but at a particular time or days witness crowds and a flurry of activity. For example a school maybe located nearby. During your visit the neighborhood may look peaceful but during school timings there may a lot of traffic and crowd. Same thing goes for religious establishments, shopping centers or streets. When it comes to the house itself, factors like sunlight vary a great deal during a day.

2)      Interact with neighbors: As a buyer we may not be aware of a lot of problems plaguing the neighborhood or the house. They are often a very good source of information which the home seller may have been hiding from you.

3)      Scan the newspapers and internet for news: Read newspapers and internet for news related to your neighborhood. Any problems and controversy will be more often than not published in newspapers or discussed in some internet forum.

4)      Ask the seller: A house may have had problem in the past which may not be the case now but as a future owner you must be aware of it. Existing home owner should be able to tell you all this.

5)      Inspect your home: Get professional inspection done for the home. All homes have some sort of defect big or small. Knowing the cost to be incurred beforehand will help you during negotiations.

6)      Study the utility bills: Ask for the electricity and water bills for the home you are about to buy. Studying them will give you an idea on how much bills you willbe paying. Those neatly manicured lawns maybe costing a bomb.

7)      Know the taxes:Every region and neighborhood may have different property tax rates. Know the tax you will be paying before deciding.

8)      Know your legal status: Check for the neighborhood’s zoning laws, legal status of the home and other restrictions that may apply. In Playa del Carmen there are restrictions for buyers who want to buy a home near the beach or border. Buying any property with restrictions may mean fine or forfeiture later on.

9)      Rethink the extras: Many people get swayed away by stuff like pool and other additions which may be expensive to maintain. These expenses keep piling up and end up ruining your budget. Only buy what you can afford to.

About the Author: David Selva is the owner of Playa Real Estate Mall. His motto is to represent buyers to find the best real estate in Playa del Carmen. Read his blog Riviera Maya News for the latest in Riviera Maya property market.

 

Look Out! There Are Debt Traps Everywhere – Keep Clear!

Posted By on Tuesday, May 14th, 2013 | No Comments

In an age where money is so essential to us it’s really easy to fall into a pit of debt. This inevitably leads to a vicious circle and it’s easy for it to spiral out of control. If you can possibly avoid it, the best thing is not to get into debt in the first place. Being in debt leads to depression, a lack of self-esteem and motivation and having the constant anxiety of people chasing you for money.

There are several traps that you could fall into – we’ll list them here so you know what to avoid and stay out of debt.

Store Cards

Oh how tempting it is to do a big clothes shop in your favourite store and put it all on a store card! Most people have done it – it’s a quick way to get what you want, when you want it. But what you don’t take into account when you are making your impulse buy is just what is involved. Often the interest rates will be through the roof, and your repayment terms could be extremely hard to meet. The golden rule is if you don’t have it, don’t spend it, and so no matter how much you crave those designer jeans, just learn to be patient.

Credit Cards

Working on the same principle as store cards, credit cards are a sure fire way to rack up a lot of debt. Little purchases here and there add up to some pretty scary figures after a while, making it harder and harder to meet even the minimum payment, let alone clear it. Avoid credit cards if you possibly can, and if you have to use them then get into the habit of paying off what you have spent every month so it doesn’t get a chance to accumulate.

Hire Purchase

Many stores offer deals such as 2 years’ interest free credit on large items such as sofas and beds. This is a good deal if you stick to it, but if you go over the two years you could find yourself with massive interest rates to take on. It’s much better to save up for what you want and then buy it outright, otherwise it’s just another bill every month.

Mortgages

Most of us will need to get a mortgage at some time or other in our life, and it’s the biggest debt we’ll ever take on. When choosing a mortgage make sure you find the best deal available and consult with a financial advisor to make sure you really understand the small print. There are lots of different mortgage deals available so make sure you really do your homework before you sign on the dotted line.

Being in debt is totally avoidable; you just need to be sensible. Never make impulse decisions – no matter what you are offered make sure you go away and have a serious think about it before you make up your mind. You’ll find that nine times out of ten you’ll decide that you’ll walk away from the deal when you consider it in the cold light of day. A debt-free life is a happy one!

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Gwenn Marshall is a financial advisor with Loan Saver Network. His day job is to help customers with bad credit mortgage and he firmly believes that people should get more money-wise and avoid debt traps that lead to bad credit.

5 Tips To Impress Puerto Vallarta Home Buyers

Posted By on Tuesday, May 14th, 2013 | No Comments

Puerto Vallarta home owners are a lucky breed. Not only they have a home in probably the most scenic place in the world but they are sitting on a solid investment.  Any real estate in Puerto Vallarta bought at the right time at the right place can bring you windfall gains. Many people invest in a vacation home or a second home for the purpose of price appreciation.

If you have decided to sell off your home so that you can take away the profit then it is the right time to do so. The prices in Puerto Vallarta are at an all-time high. But before listing your home for sale there are few things that should be adhered to so that you can get the best offer your home deserves.

Though there are many steps that one can undertake and each home has its peculiar needs, there are few pointers which are common to all. These are most of the times minor enough to be undertaken without any great expenses but can make a lot of difference while selling.

Here are my top 5 recommendation to impress buyers for your Puerto Vallarta home:

1)      Repairs: Most of the times, a home needs minor repairs. While you’re living there or not using it, these repairs can be ignored but when you are showing the home to a buyer then you can’t help but fix them. Home buyers notice each and everything. They undertake rigorous inspection. Small repairs may give an impression that the home may be in need of some major repairs also. This may scare off the buyer or they will offer a lower price. Both are not ideal scenarios.

2)      Painting: Before listing your home for sale, touch up your rooms. Take special care of damp areas and the areas where repair has taken place. Paint gives a home a fresh look. Even if you can’t pain the whole house you can surely touch up the areas which require attention.

3)       Remove clutter: Clutter can make a home look small or shabby. All you have to do is pick and throw away the clutter that you have been storing for so many years and have no intention of ever using.

4)      Depersonalize:  When a buyer inspects your home, they try to visualize the home as their home. Personal items such a family pictures on the walls, your home décor collection on the shelf, your kid’s paintings on the refrigerator – all of them can obstruct a potential buyer to imagine the home as theirs.  Such personal items should be packed away.

5)      Add curb appeal :The exterior of a home is as important if not more important than the interiors of a home. Remember the saying – ‘first impression is the last impression’? Keep your walkways clean. Remove the debris, tend your garden and remove the shrubs. Paint the front door. Clean the dirty spots around the knobs and polish the metal door fixtures. Fix the outdoor lightings. Add some potted plants. And voila you will have great looking home!

All these tips are very minor and do not cost a bomb.  As a real estate agent, I have found these to be invaluable. Hope you also find them useful.

About the blogger: Tom Budniak is the owner of PuertoVallartaBestRealEstate.com – Puerto Vallarta #1 real estate agency. He lives and works in Puerto Vallarta. Check his blog Puerto Vallarta News Roundup.

 

Should You Refinance Your Mortgage?

Posted By on Sunday, May 12th, 2013 | No Comments

You shouldn’t refinance your mortgage at a lower interest rate before considering all of your options. When it comes to refinancing your mortgage it’s all about the right timing, especially since the drawbacks of refinancing is that it’ll reduce your home’s financial benefit. Taking out a mortgage just because there is a new low mortgage rate on the market isn’t always a good idea, because you must pay a hefty fine for closing costs. In some scenarios it makes sense to refinance your mortgage, while in others it is more beneficial to stick to your current loan.

What is it That You Want to Accomplish?

Before determining whether or not to refinance your mortgage, it is important to know what your goal is. Refinancing your home will not pay off your debt, it will simply restructure it, usually at a lower interest rate and altered loan terms than your current mortgage. If your goal is to reduce the interest expense of your mortgage, than refinancing might be right for you. If you are in need of lower monthly payments, refinancing your mortgage will also allow you to push the loan back several decades. This comes in handy if you are struggling to repay your mortgage, and may allow you to avoid other methods of repayment such as taking out payday loans. Another legitimate goal of refinancing is in the case that you have both a home equity loan and a first mortgage, you may consolidate your debt by combining the two mortgages into a single fixed-rate mortgage, which would level out the payments over your loan’s term.

Making Monthly Mortgage Payments More Affordable 

Some people refinance their home simply because they want to make their monthly mortgage payments affordable. Refinancing helps to do this through a lower interest rate and a longer loan term. It is important to know however, that refinancing your mortgage may not minimize your total interest expense.

Get Your Timing Right

 It is crucial that you get the circumstances and the timing right on refinancing your mortgage. Usually, it’s a good idea to know before hand that you and your family will be staying in your house for a long time to make refinancing a good idea for your situation. To do this, look at the savings of refinancing compared to the cost, and consider the length of time that your family will own the property in consideration. You should also consider how many months of paying lower interest on your mortgage will make up for the closing costs of refinancing. The national average for closing costs on a typical $200,000 mortgage is $3,754.

Know Where You Stand

Before you consider refinancing your home, take into consideration the standing of your current mortgage. Analyze your interest rate, loan terms, and all other relevant data such as you and your spouse’s credit score, and if your current mortgage has a prepayment fine. Weigh all this information with the benefits of refinancing your home to make sure it’s worth your time and money.

 

When It’s a Bad Idea to Refinance Your Home

If you do your calculations you may find that refinancing your home isn’t a good idea at this moment after all. It is a general rule that if you aren’t planning on staying in your current home for a very long time, refinancing probably is not a good idea. This is because the number of months that it will take to recover the closing costs may exceed the time that you will be in the house.

What Is A Secured Loan And How Is It Used

Posted By on Friday, May 10th, 2013 | No Comments

There are so many different sorts of loans out there it can often get very confusing trying to decipher one from the other. Secured loans are often at the centre of confusion and people tend not to be able to figure out what they are.

Well, it’s simple really; a secured loan is a loan that is secured against a property, otherwise known as a homeowner’s loan. These loans are different to a personal loan because there is some collateral involved; in this case it is a property or properties of some sort or another.

Mortgage

These loans will require you to be a homeowner with a mortgage or a paid mortgage. Either way you must have a home or property of one sort or another. This will be seen as a security and is also known as the first charge if it is still mortgaged. The secured loan will be known as the second charge in this case. If you are in the happy position of having repaid a mortgage and own the property outright, then the loan will take the place of the mortgage and is known as the first charge.

A bad credit secured loan can be a great way to unlock potentially high levels of credit and are a great way for you to get together some money that you may otherwise struggle to get. This can then be used for a big purchase, to consolidate debt or even to make improvements to your home.

One of the reasons a lot of people tend to take out a secure loan is debt consolidation. If you have a large debt in a number of areas, a secured loan allows you to repay the full amount. This in turn allows you to cut down on the interest rates and pay off the money in one easy lump sum.

Lump Sum

This lump sum may be offered a significantly lower rate of interest than the debts you were trying to meet. Businesses such as Baker Financial often offer quite lucrative rates of interest when compared to the rates you are repaying.  It frees you up from credit cards, store cards and other loans and often lowers the amount of debt you pay as there is less interest owed.  Even if you have poor credit, these bad credit secured loans can be a significant help.

Secured loans can also be great if you wish to make improvements to your home or fund a large purchase. This could be required for any number of reasons and a secured loan is a great way of meeting these financial needs.

Of course, in the case of an extension or a home improvement, you are often merely investing in your property and should see it gain in worth with time. This can be a wise move and a great way of using a secured loan of one sort or another.

John Smith has written for a variety of great financial sites in his time and has had experience with Baker Financial and others in the secured loan and financial area. He has managed to build an extension on his home and loves DIY.

Basic Requirements Of Online Loan

Posted By on Wednesday, May 8th, 2013 | No Comments

These days, almost anything can be accessed online, even loans. Through the internet, you do not need to physically go to the bank to compare rates or to secure a loan. As long as you meet their requirements, you can get an online loan instantly. If you are among millions of people who are currently looking for answers to this online loan question, then better read on.

Requirements  for Online Loan

So what are the requirements of online loan? First, you need to be at least 18 years of age to be eligible for the loan. Here are the rest of the most basic requirements.

·         Personal identification (e.g. driver’s license, government-issued card, employee ID)

·         Proof of income

·         Proof of employment (most lenders require borrowers to employed with the same employer for at least 3 months)

·         Active checking or savings account

·         Proof of residence

These are the basic requirements of online loan that lenders look for.  Other lenders may add  some requirements such as latest pay slip. The proof of income and the proof of employment are required to establish whether you have the ability to pay. You will also need a checking or savings account as this is where the lender will deposit the money once the loan is approved.

However, keep in mind also that requirements may vary depending on the type of online loan you apply for. For instance, if it is a secured loan, you will be required to provide some form of collateral. Others may also require you to have a co-signer. Providing a collateral and having a co-signer may help you get better interest rates. Some lenders also require a good credit score before approving the loan, but there are also those that offer loans for people with bad credit in exchange for a higher interest rate.  You will be surprised at the number of loans  getting approved each day.

Applying for an online loan is easy. Most lenders only require you to fill up an online form and fax the required documents. If you meet all the requirements of online loan and your loan is approved, you can get the money within 24 hours, which will be sent through your bank account.
But while online loans are fast and convenient, there are also risks involved just like with all types of loans. So before you apply for any type of loan online, be sure that the lender is reputable.

The writer, Sam Daniels, loves to blog about credits, loans and financial freedom. Visit his site and learn more about short term credit,small aussie loans

How To Claw Back Your Life After Being Declared Bankrupt

Posted By on Tuesday, May 7th, 2013 | No Comments

There are a lot of people out there who are struggling at the moment. We all have our own problems and some people have one of a more serious nature. If this is you and you’ve been declared bankrupt you shouldn’t worry about it. Now that it’s happened there is nothing you can do to change it and worrying about an irreversible event will only leave you more stressed out than ever before. What you really need to do is look towards the future.

Let’s talk about your credit because at the moment you know it’s not looking too healthy. Just because you have reached rock bottom doesn’t mean you have to stay there forever. Plenty of people have been in your situation before and they have picked themselves back up and climbed out of their hole. That is exactly what you’re going to do and to help you out we’re going to look at a few ways you can take control of your finances again.

Learn to budget

You have let your finances get out of control once and you can’t afford to let it happen again. You will need to learn how to make a budget, but once you have one you need to stick to it religiously. There is no point in having one if you are going to spend money like crazy. Only buy the things you need and eventually you might end up with a nice amount of money in your savings account.

Pay on time

It’s important that you always pay your bills on time. You have probably gotten used to the fact you don’t need to pay something on time, but look at the mess that got you into. Even if you have a very small bill it must be paid before the deadline. You won’t be able to fix your credit rating if you’re late all the time. This is one of the reasons why a good budget is so important.

Keep an eye on your credit report

When you are declared bankrupt you will start with a new slate. Your credit report will be poor for a few years while the bankruptcy is still on show, but you must make sure that it doesn’t get any worse. You never know when someone might make a mistake and you can’t afford for that to happen. If you do see anything wrong with your credit report that shouldn’t be there you can deal with it right away.

Don’t make big purchases

Once you have hit rock bottom it should be a wakeup call that you shouldn’t be spending crazy amounts of money when you can’t afford to. This doesn’t stop some people from making big purchases like a car. If you want to buy a car you should save up cash and get one you can afford. You don’t need to drive anything too fancy and you will save yourself from getting into more trouble.

Get some credit

You might be scared to try and get credit again, but you must because it can actually help your credit rating. You will be allowed to get some sort of credit card, even if it needs to be a secured one, so get it and use it. Just make sure you use it sparingly and always pay it off on time. When people see you are able to handle the responsibility it will help you out in the future.

You’ve messed up

You know you’ve messed up and it’s now in the past. Just make sure you change your ways and you can have a bright future. Millions of people are now living normal lives after suffering bankruptcy and you will too.

Attached Images:
  •  License: Royalty Free or iStock source: http://pixabay.com/static/uploads/photo/2013/03/22/06/35/man-95720_150.jpg
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Adam Shaw is an bankruptcy law attorney in New York. He has credible experience when it comes to tackling financial matters and also gives valauble suggestions on these issues via his blog.

A Beginner’s Guide to Securing a Home Mortgage

Posted By on Monday, May 6th, 2013 | No Comments

Buying your first home is an exciting but often daunting experience. Setting a budget, choosing a house, applying for home loans and paying off your mortgage – it can be a very overwhelming experience for first home buyers. With so many factors to take into consideration, it is important to understand the process and to be prepared for what to expect. By following some simple steps and being aware of each stage in the home-buying process, it will be less stressful and a much more enjoyable experience.

Determine Your Goals and Budget

The first things to consider are what you are purchasing this property for and how much you are able to spend. If you are buying an investment property you must consider how much return you will need in order to make the purchase worthwhile, where as if you are buying your first home you must consider what sort of property you want to live in.

Establishing a clear and set budget is very important at this stage – you do not want to over invest and find yourself in financial difficulties. Be sure to consider all of the costs involved in buying a home including taxes, rates and house insurance. It is a good idea to get various house insurance quotes to get a clear understanding about much you will be spending each year.

Do Your Research and Select the Right Property

While it can be easy to fall in love with properties, it is vital to remember your budget and your reasons for purchasing before making any big decisions. Research the location and the property itself – is it close to amenities? Is the building sound or will it require additional renovation? What laws and regulations are currently in place for the site?

Look at various options and make sure you choose the right property for you. You can employ professional surveyors to look at the building to find any hidden problems that you may not have noticed.

Research Home Loan Options

With so many mortgage brokers and banks providing home loan options, it can be easy to become overwhelmed by which one to choose. When selecting a home loan you should investigate the various options before choosing one that suits you. Ask for the comparison rate – this is the difference between the loan you are requesting and the final amount you will be paying after interest and the rates and fees. While the cheapest option may seem like the best, some of the more expensive loans come with additional benefits such as choice in the frequency of repayments and the ability to make free withdrawals. It is also important to ask about any additional fees that may arise such as government taxes, early repayment fees and withdrawal charges.

Buy Your New Home

Once you have secured an appropriate home loan and found your property there is only one thing left to do – make the purchase!

By following these guidelines and undertaking sufficient prior research, you can feel comfortable knowing you are making a wise decision in your first home purchase.

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