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Displaying blog entries 1-10 of 26

The Brown Bag Lives On

by Samia S. Morgan

The brown bag lives on

Despite the improving economy, Americans have barely budged from their money-saving habits such as brown-bagging at lunchtime and buying generic products, according a Harris poll. That means small businesses need to emphasize value and earn the loyalty of current customers, Maria Valdez Haubrich writes. Also, look for "pockets of spenders," including older consumers who show less willingness to cut back. GrowSmartBusiness.com (4/7)

Are you networking right now? You should be

Small-business owners must always be on the lookout for potential clients -- or people who can connect with new clients -- and think about networking all day, every day, and weave it into all your day-to-day activities, Sheryl Johnson writes. She advises making a list of everyone you know, from your barber to your kids' friends' parents, and making sure they all know what you do. Entrepreneur.com (4/21)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

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11 Tips to Help Collect on Those Overdue Invoices

by Samia S. Morgan

11 tips to help collect on those overdue invoices

As customers extend payment terms and take longer to pay bills, how can cash-strapped small-business owners collect? Owners give pointers here, including keeping close tabs on the viability of customers using services such as Cortera's Pulse. They also recommend being aggressive about collections and knowing when to drop a problem client. The New York Times (tiered subscription model) (4/6), The New York Times (tiered subscription model)/You're the Boss blog (4/5)

Customization meets the daily deal in PeopleDeals

PeopleDeals brings the trend of customization to the daily deal by allowing business owners to design their own discount coupon -- controlling all terms from price to redemption rules -- and disseminate it via e-mail, social media or other outlets. Jonathan Blum says the service is a little hard to master, but it might be worth trying for coupon-savvy marketers. Entrepreneur.com/Daily Dose blog (4/26)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace


Video-Marketing Tips You Can Use

by Samia S. Morgan

If this list lacks a video-marketing tip you can use, you're not trying

Take customers behind the scenes in your business, interview industry leaders, create a mini-documentary or offer product tours. Those are just four of the 26 suggestions experts offer for using videos to promote your business. Debbie Hemley rounds up the best places to share those videos, as well, including LinkedIn, Web TV and e-mail. SocialMediaExaminer.com (4/5)

How to choose -- and use -- a business credit card

Business credit cards can make life much easier for business owners and their employees and can help a company build a credit history, said BBB's Dana Badgerow. BBB says business owners should do ample research before choosing a card, taking into account reward programs and other perks, and they should make sure employees know the rules for using the business card. Echo Press (Alexandria, Minn.) (4/21

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace

Equipment and other 2010 Tax Write-Offs

by Samia S. Morgan

Equipment and other 2010 tax write-offs you may have forgotten

If you still haven't filed your 2010 taxes, make sure you're taking advantage of tax breaks that may not be around in 2011. They include a major deduction for buying a business vehicle, better write-offs for equipment and a double deduction of health-insurance premiums for the self-employed. Entrepreneur.com/Daily Dose blog (4/4)

The 1% funding solution

Crowd-funding isn't just for startups. Arnie Sturham says that when he wanted to install energy-efficient lighting in his cafe, he asked customers to chip in with a 1% surcharge on purchases of more than $10. Sturham says 90% of his customers participated in the effort, which raised the needed funds in less than six months. Entrepreneur.com (4/22)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace

E-mail Hack could Spawn New Phishing Scams

by Samia S. Morgan

E-mail hack could spawn new phishing scams, BBB warns

A security breach at e-mail marketing company Epsilon is potentially one of the largest in history and affects customers of companies including Chase, Best Buy and Walgreen. The hacker got only names and e-mail addresses, but consumers should be wary of new phishing schemes and other scams trying to coax them into sharing personal information, BBB says.CNN (4/4), St. Petersburg Times (Fla.) (4/5), WANE-TV (Fort Wayne, Ind.) (4/4), KWGN-TV (Denver) (4/4)

How to be a better bookkeeper

If you're like many small-business owners, you probably keep many of your company's financial details in your head, under your "bookkeeper" hat. But without a more formal system, you may be endangering profits and growth, writes Eileen Gunn, who recommends putting major purchases on the calendar at least a year in advance and using one credit card just for business expenses so you always have the proper records at tax time.Entrepreneur.com (4/20)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace

Why You Should Worry About Your Money Online

by Samia S. Morgan

Why you should worry about your money online

About 75% of small-business banking fraud occurs online, and about 61% of small businesses that said they were the victims of fraud were hit more than once, according to a study by Guardian Analytics. You're also not any safer with smaller institutions; the study found that small businesses banking at smaller banks were victimized just as often as those doing business at big banks. InformationWeek SMB (4/4)

The best -- and worst -- states for small-business taxes

South Dakota ranks as the most tax-friendly state for small businesses, according to data from the Small Business and Entrepreneurship Council, which based rankings on 18 measures, including income and property taxes as well as gas and other consumption-based taxes. Texas and Nevada also ranked high on the SBEC list, while Minnesota and the District of Columbia came in last. BusinessNewsDaily.com (4/15)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace

You Want a Copy a What?

by Andy Block - Mortgage Advisor

I know you’ve heard grumblings from buyers about the enormous volume of documentation that is required to obtain a mortgage these days, not to mention the additional requests that always seem to come well into the process that can be frustrating for them. The industry, meaning Fannie and Freddie, is concerned with both credit quality, which they think is the best it has been in many years, and documentation quality, or what they call Loan Quality Initiative (LQI). Guidelines for underwriting have become more strict, even if the credit quality of the borrower is high. Documentation of every condition must be exact – not close, not almost – but exact.

In order to make the loan process easier, we make clients aware of everything they need to know about documentation at the beginning so there are no surprises along the way. This helps them understand that disclosing new information in later stages may trigger requirements for additional documentation which can slow down the process.

I review the borrower’s accounts with them and make sure they have documentation for any deposits that are obviously not payroll. For example, lenders require that deposits from gifts are documented, and deposits from borrowed funds can only be used as a down payment if the funds are secured by real estate or securities (e.g., stocks), and the payment on the borrowed funds must be calculated in the DTI ratio. Another example is if late in the process the client transfers funds into escrow from an account that was not previously disclosed, they must then provide complete statements for this new account.

As a mortgage bank, we’re well versed in the guidelines for all lenders. We work with clients to help them understand documentation requirements at the beginning and throughout every step in the process. Borrowers who provide all of the requested documentation upfront will save themselves headaches and prevent a last minute scramble.

Andy Block - Mortgage Advisor & Financial Advisor
Opes Advisors

Email Me
 
Direct: 650.931.0605
Fax: 650.931.0601

License #01096311
400 S. El Camino Real
Suite 250
San Mateo, CA 94402
Fax 650.931.0601


Opes Advisors is licensed as a registered investment advisor with the Securities and Exchange Commission (SEC) and is licensed as a Residential Mortgage Lender by the CA Dept of Real Estate.

How to Be Master of your Domain Name

by Samia S. Morgan

How to be master of your domain name

With a little planning, your domain name can be one of your best advertising tools. Experts recommend working your location or industry keywords into the name itself, helping to improve your rank in online search results. Jane Porter rounds up five other tips for getting the most from your URL. Entrepreneur.com (3/31)

How green measures can help lower your energy costs

Going green is no longer just an option for companies, it's "a business imperative," Daniel Esty says. He discusses how a focus on sustainability and the environment can help you connect with customers and lower costs, especially as energy costs soar.BusinessNewsDaily.com (4/18)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace

Realizing the Essence of Place

by Catriona Tudor Erler

If you are interested in the article, click here.

The SBA Wants to Know How Regulations Affect Small Businesses

by Samia S. Morgan

The SBA wants to know how regulations affect small businesses

The Small Business Administration is soliciting comments from business owners about how its regulations affect them and how it can improve them. The SBA says it wants to make rules "more cost-effective and less burdensome on participants in the agency's programs while continuing to promote economic growth, innovation and job creation." Government Executive(3/15)

How to sell an unpaid internship

The end of the school year is just around the corner, and that means a flood of energetic young interns looking for summer work. If you need the help but can't offer cash, emphasize the learning experience, the chance for a future job offer and the résumé line instead, recommends Cari Sommer, co-founder of Urban Interns. Fox Business (4/19)

Samia Morgan is proud to be listed with the Better Business Bureau - 
BBB Accredited business since 03/01/1994

Your San Mateo Real Estate Advisor

BBB - TrustBrief - Advancing trust in the marketplace


Displaying blog entries 1-10 of 26

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Photo of Samia S. Morgan, Inc. Real Estate
Samia S. Morgan, Inc.
dba Samia Realty Group
BRE# 00967165
San Mateo CA 94403
650-678-3633