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Displaying blog entries 1-10 of 26

Mobile Payments Might Boost Small-Business Sales

by Samia S. Morgan

Mobile payments might boost small-business sales

Businesses that set up mobile-payment technology can win customers from their like-sized competitors, but it also will let them compete with much larger companies, marketing expert Stephanie Christensen writes. She dispels what she says are myths about mobile payments, saying they are secure and much less difficult to set up than many business owners realize. Intuit Small Business Blog (7/19)

 

Why family businesses sometimes fall apart

A range of problems -- ineffective succession planning, governance issues or conflict -- might cause a family business to fail, Leah Golob writes. "Many families lack procedures that help manage conflict in an objective and productive way, so seeking outside help is often necessary to help the family out of seemingly unresolvable issues," she writes. The Globe and Mail (Toronto) (7/20)

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

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Small Businesses Look for Ways to Maintain Cash Flow

by Samia S. Morgan

Small businesses look for ways to maintain cash flow

Small companies are using a number of strategies to improve their cash flow. For example, some companies are selling their receivables to get money quicker. Others are asking suppliers to provide more lenient payment terms. The Charlotte Observer (N.C.)/The Associated Press (7/18)

How to avoid a utility-payment-assistance scam
  
Scammers are targeting victims with a scheme that claims the government will help them pay some of their utility bills, BBB's Heather Clary said. To avoid falling prey to such scams, don't give out your Social Security number and be wary of rumors on social media. ClipSyndicate/WTVQ-TV (Lexington, Ky.) (7/18)

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

Captured by the View

by Ashley Gartland

If you are interested in the full article, click here.

5 Tips for Better Online Marketing

by Samia S. Morgan

5 tips for better online marketing

Online marketing doesn't just encourage people to take action on the Internet; it can also affect customers' behavior in the offline world, write Brad Fay and Ed Keller, both of the Keller Fay Group. Focus on delivering strong content and send it out at times when it is likely to make the largest possible impact. "Whenever possible, plan for digital content to be delivered at times of the day when people are likely to be in social settings, which makes conversation possible," they write. Mashable (7/18)

Top tools for running your business

Tools such as TripIt, Punchcard and Eventup can help you to get more productive, Janine Popick writes. For example, Punchcard is a mobile application that can help you to administer loyalty programs. Inc. online/Basement to Boardroom blog (7/16)

 

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 Credit Cards are So Important for Small Businesses

by Samia S. Morgan

Why credit cards are so important for small businesses

Credit cards provide a critical source of financing for small-business owners so it's encouraging news credit card delinquencies are quite low at the moment, writes Tom Gazaway of Hawkeye Management. "Credit cards are a great financing tool for small business owners and sometimes it's actually their only option," he writes. Small Business Trends (7/19)

How smaller firms can tap into emerging markets

One way to build your business is to leverage the knowledge that your employees have about emerging markets, writes Shirley Engelmeier of InclusionINC. You should also think about what customers in these markets want and look for ways to adapt your products to those needs, Engelmeier writes. Fox Business Small Business Center (7/19)

 

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

 

Program Gives Working Money to Small Businesses

by Samia S. Morgan

Program gives working money to small businesses

A new temporary Small Business Administration program provides working capital to businesses by allowing them to refinance some assets. The 504 loan program runs through Sept. 27 and provides fixed-rate financing at rates below the market. NetworkSolutions.com (7/19)

Water-line warranty mailings are causing confusion

A Connecticut company called HomeServe USA is sending out mailings offering homeowners warranties on water lines. It's important to realize that the company is unaffiliated with utilities. Some water-line repairs may already be covered by other entities, so people should be careful not to buy unnecessary warranties. Omaha World-Herald (Neb.) (7/19)

 

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

 

Refinance...With a Perfect Loan File

by Samia S. Morgan

RECORD LOW RATES DRIVE ADDITIONAL REFINANCE OPPORTUNITIES
Last week, mortgage rates reached another record low and many homeowners are refinancing, even those who already refinanced during the past 12 months.

In the recent San Jose Mercury News article, “Low interest rates spur Bay Area mortgage refinancing,” reporter Pete Carey indicates, “The recovering housing market means homeowners in some areas can finally get new loans with better terms, because their homes are worth more. Others, with more home equity, are refinancing for the second or third time in a year, as rates have continued to tumble.”

Let’s look at your situation and see if there are opportunities for you to refinance even if you have already refinanced in the past 12 months.


THE PERFECT LOAN FILE
When you're ready to move forward with buying or refinancing, this next article explains what you’ll need to do in order to be prepared for the extensive documentation that is now required in the loan process.

Mark Greene, in his Forbes article, “The Perfect Loan File,” explains how the mortgage approval process is now more rigorous in order to ensure that mortgage lenders can avoid loan defaults and buybacks. The higher documentation standards have already reduced loan defaults and this means fewer foreclosures in the future.

Greene states, “If the lender asks for a specific document, give them exactly what they are asking for, not what “should be OK,” – because it won’t be. This is where the approval process tends to go off the rails, when the lender asks for specific documentation and the borrower supplies something else.”

The best way to ensure a smooth loan approval process or a "perfect loan file" for yourself is to deliver all requested documentation to your Advisor in a timely manner. We'll only ask for the documents we need and nothing more. And the sooner you can accomodate our requests the sooner your loan will close.


Let's talk today about your plans to buy or refinance while rates are still at or near record low levels.

Find out if the charity has an on-the-ground presence in the impacted areas

Unless the charity already has staff in the affected areas, it may be difficult to bring in new aid workers to provide assistance quickly.  See if the charity's Web site clearly describes what the charity can do to address immediate needs.

Find out if the charity is providing direct aid or raising money for other groups

Some charities may be raising money to pass along to relief organizations.  If so, you may want to consider "avoiding the middleman" and giving directly to those that have a presence in the region. Or, at a minimum, check out the ultimate recipients of these donations to see whether they are equipped to provide aid effectively.

Gifts of clothing, food or other in-kind donations

In-kind drives for food and clothing, while well intentioned, may not necessarily be the quickest way to help those in need - unless the organization has the staff and infrastructure to distribute such aid properly. Ask the charity about its transportation and distribution plans. Be wary of those who are not experienced in disaster relief assistance.

 

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

Be Cautious When Giving Online

by Samia S. Morgan

Be cautious when giving online 

Be cautious about online giving, especially in response to spam messages and emails that claim to link to a relief organization. If you want to give to a charity involved in relief efforts, go directly to the charity's Web site.  In response to Katrina, Rita and the Asian tsunamis of several years ago, the FBI and others raised concerns about Web sites and new organizations that were created overnight, allegedly to help victims.

Rely on expert opinion when it comes to evaluating a charity

Don't necessarily rely on third-party recommendations such as bloggers or other Web sites, as they may not have fully researched the relief organizations they list. The public can go to www.give.org to research charities and relief organizations and verify that they are accredited by the BBB and meet the 20 Standards for Charity Accountability.

Be wary of claims that 100 percent of donations will assist relief victims

Despite what an organization might claim, charities have fund raising and administrative costs. Even a credit card donation will involve, at a minimum, a processing fee. If a charity claims 100 percent of collected funds will be assisting hurricane victims, the truth is that the organization is still probably incurring fund raising and administrative expenses.  It may use some of its other funds to pay these costs, but the expenses will still be incurred.

 

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

Lana'i

by Blake Miller

If you are interested in the full article, click here.

Displaying blog entries 1-10 of 26

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