6 Money Links DAJK GROUP Loves

Men more confident than women about

Recent Studies show Men more confident than women about getting jobs

  1. IRS Data Theft
  2. Dollar Rises against Yen, Euro
  3. When it really pays to purchase online
  4. About Zero percent interest promotions
  5. Transition into Retirement
  6. Studies show Men more confident than women about getting jobs

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Amazon Corner:  Summer Style & Deals

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IRS data theft_ 5 things you need to know – MarketWatch

About 100,000 households could be affected by the IRS’ security breach earlier this week. Find out what you need to know to protect your information. IRS Data Theft: 5 Things You Need to Know — MarketWatch

Dollar Rallies on Upbeat U.S

Good news for your green! Compared to international currencies, the strength of the dollar is hitting record highs. What does that mean for you? Dollar Jumps Against Yen, Euro — The Wall Street Journal

When It Really Pays to Buy Online – Consumer Reports

Shopping is as easy as a few swipes and a click these days, but some online splurges are better for your wallet than others. Here’s when digital checkouts really pay off. When It Really Pays to Buy Online — Consumer Reports


Shop Amazon Corner – Get the New Kindle Fire HDX Tablet

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3 Things You Need to Know About 0% Interest Promotions _ SmartAsset

Did you know it’s still possible to pay interest on a 0% APR credit card? Heed these precautions before you sign up. 3 Things You Need to Know About 0% Interest Promotions — Smart Asset

Ways to make a smooth transition to retirement

Reports show that about two-thirds of Boomers have difficulty adapting to retired life. Follow these tips—like safeguarding your resources—to successfully transition into your golden years. Ways to Make A Smooth Transition into Retirement — USA Today

The Real Reason Men Are More Confident Than Women About Getting Jobs – Bloomberg Business

Turns out, the so-called confidence gap could be more of an “effect” than a “cause” of lopsided job opportunities for women at work. These studies explain why. The Real Reason Men Are More Confident Than Women about Getting Jobs — Bloomberg

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  • Real Estate Lenders Nationwide – Residential & Commercial
  • Asset Management
  • Project Finance
  • $US 100 million Bonded & IRS Registered Payroll Service
  • Currency Exchange Service
  • Business Development & Finance
  • International Trade Facilitation Program
  • Awarded Judgment Seller Wanted
  • $US 1000 Referral Program

BuildingFinancePlan 30pcOFF

Building a Finance Plan Geared to Growth *** 30% OFF for our subscribers!
To optimize your success as a small business owner, create a blueprint for financing—before you need it to drive growth. 

Up to $2US million Physical Disaster Loan for Business Recovery Plan

Up to $2US million Physical Disaster Loan

Fact Sheet: Disaster Loan for Businesses of All Sizes

Biz Disaster Recovery Plan...-


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If your USA-based business or private, nonprofit organization has suffered physical damage or your small business or private, nonprofit organization of any size has sustained economic injury after a disaster, you may be eligible for financial assistance from the U.S. Small Business Administration (“SBA”). If your business—regardless of size—is located in the declared disaster area, you may apply for a long-term, low-interest loan to repair or replace damaged property.

Even if your property was not damaged and you are a small business owner or a private, nonprofit organization, you may apply for a working capital loan from the SBA to relieve the economic injury caused by the disaster.

Please sign-in for a disaster loan application and IRS-8821 forms

Physical Disaster Loans

Businesses of all sizes and private, nonprofit organizations may apply for a Physical Disaster Loan of up to $2 million to repair or replace damaged real estate, equipment, inventory and fixtures. The loan may be increased by as much as 20 percent of the total amount of physical loss, as verified by SBA, to protect the property against future disasters of the same type. These loans will cover uninsured or under-insured losses.

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Economic Injury Disaster Loans

Small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, nonprofit organizations of all sizes suffering substantial economic injury may be eligible for an Economic Injury Disaster Loan of up to $2 million to meet necessary financial obligations – expenses the business would have paid if the disaster had not occurred.

Interest Rates

The interest rate on both these loans will not exceed 4 percent if you do not have credit available elsewhere. Repayment can be up to 30 years, depending on the business’s ability to repay the loan. For businesses and nonprofit organizations with credit available elsewhere, the interest rate will not exceed 8 percent. SBA determines whether the applicant has credit available elsewhere.

Application Information

Businesses may apply directly to the SBA for possible assistance. The SBA will send an inspector to estimate the cost of your damage once you have completed and returned your loan application.

Please sign-in for a disaster loan application and IRS-8821 forms

Frequently Asked Questions

 

What information must I submit for a disaster loan?
Submit a completed loan application and a signed and dated IRS form 8821 giving permission for the IRS to provide the SBA your tax return information.

To process your application we need current financial information such as a personal financial statement, a current profit-and-loss statement, balance sheet and a list of debts.

Can I use the disaster loan to expand my business?
The disaster loan helps restore property to pre-disaster condition, and, under certain circumstances, protects the structure from future disasters. It cannot upgrade or expand a business unless required by local building codes.

I already have a mortgage on my business. Can the SBA refinance my mortgage?
The SBA can refinance all or part of a previous mortgage in some cases when the applicant does not have credit available elsewhere, has suffered uninsured damage (40 percent or more of the property value), and intends to repair the damage. SBA disaster loan officers can provide additional details.

If you have further assistance, please sign-in for our free consultation

How soon before I know I’ve been approved for a loan?
The sooner you return the completed loan application, the sooner the SBA can process it. The SBA tries to make a decision within two to three weeks. Make sure the application is complete. Missing information is a major cause of delays.

Is collateral required for these loans?
In a Presidential declaration, physical business loans over $25,000 must be secured to the extent possible. For Agency declarations, physical business loans over $14,000 must be secured to the extent possible. All EIDL loans over $25,000 must be secured to the extent possible.

Should I wait for my insurance settlement before I file my loan application?
No. Don’t miss the filing deadline by waiting for an insurance settlement. Final insurance information can be added when a settlement is made. The SBA can approve a loan for the total replacement cost, but any insurance proceeds that duplicate SBA’s loan must be applied to your SBA loan.

How may I use an Economic Injury Disaster Loan?
The loan provides working capital for disaster-related needs until your business or private, non-profit organization recovers. You may request an EIDL for the amount of economic injury but not in excess of what your business or private, non-profit organization could have paid if the disaster had not occurred. EIDL loans cannot refinance long term debts or provide working capital needed before the disaster. EIDL loans do not replace sales or lost profits.

If you have further assistance, please sign-in for our free consultation

Must I submit a personal financial statement with my loan application?
Yes. The SBA must review a financial statement for each owner and one for each partner, officer, director and stockholder with 20 percent or more ownership. The SBA requires the principals of the business to personally guarantee repayment of the loan, and in some instances to secure the loan by pledging additional collateral.

Plan to Stay in Business

Continuity planning assures your business will function as soon as possible after a natural or man-made disaster.

Review Insurance Coverage
Inadequate insurance coverage can lead to major financial loss if your business is damaged, destroyed or simply interrupted. Store records your insurance provider will want to see after an emergency in a safe place.

Prepare for Utility Disruptions
Examine which utilities are vital to your business’s day-to-day operation. Identify back-up options such as portable generators to power the vital aspects of your business in an emergency.

Secure Facilities, Buildings and Plants
Identify what production machinery, computers, custom parts or other essential equipment is needed to keep your business open. Plan how to replace or repair vital equipment. Store extra supplies for use in an emergency. Plan what you will do if your building, plant or store is not usable.

Back-up Financial Records
Back-up financial records and other vital information stored on computer hard drives. Files should be stored in a portable lockbox office, at least 500 miles away.

If you have further assistance, please sign-in for our free consultation

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Embrace the June 2015 Call to Action (You Could Win $US 50 Amazon Gift Card!)

$50 Contest


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We are halfway through 2015!  Can you believe it?

It seems like just yesterday we were excitedly welcoming in a brand new year—nervous to get planning on your financial, net lease investment and business development goals we’d resolved to accomplish over the following 365 days.

Want More?

Are you confidently marching toward your financial, net lease investment and business development goal—or could you use a little motivation to resume the hard work?

If you’re in the latter, don’t stress.

We’re all human, and it’s totally normal to deviate off track every once in a while. The key to success, however, is learning how to refocus your efforts and racing toward your goals.

Which brings us to our June call to action: Have you ever revive a New Year’s resolution you’d given up on halfway through the year? If so, how did you go about refocusing to accomplish it by December 2015?

Maybe you favorite photo of those fabulous ocean in a prominent place as a reminder.

Or perhaps you copy of a check $US 100,000 written to yourself

Or you join a business mastermind program, a net lease investment or investment seminar with other competitive friends – to earn a spot at the top of the weekly leaderboard.

Whatever it is, we want to hear about it in the comments below—and you’ll be entered for a chance to win $50 Amazon Gift Card! Please make sure to sign-in using your email address when you comment—it won’t be visible to other users—so we can notify you if you win.

Please sign-in and comment below

Open only to who are at least 21 years old as of the date of entry.  Contest running from June 6, 2015, through June 30, 2015. We will select the most compelling entry as the winner, and his or her story may be published on our website.

Please share with your friends and colleagues!

Please sign-in here

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.  Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation.  DAJK GROUP and any third parties listed, linked to, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.

5 Vital Aspects You Must Know for Success in Small Business

Biz 5 Vital things

5 vital aspects you must know for success in small business

  1. Track your return on investment (“ROI”).
  2. Monitor cash flow statement frequently
  3. Leverage with talent human resource
  4. Leverage social media
  5. Develop and have an emergency plan in place

First-time small business owners must master these 5 indispensable aspects because they are vital business factors for every business owners.

Track your return on investment (“ROI”)

Business owner must keep track on:

  • How much you invest?
  • What you invest your money on?
  • What you get in return for every dollar you invest?

This ROI tracking would help the business owner easier to decide where to invest and allocate your money in the future during your annual budget analysis review.

Monitor cash flow statement frequently

Diligently and thoroughly monitor cash flow statement.  Business owner should only spend from the revenue you derive from the sale of your products or services.

Small business must learn how to control and ensure you have sufficient cash to cover operating expenses for at least 90 days.  You have to anticipate and manage the time-lag between completing a project and receive payment.

For your small business, the cash flow statement may be the most important financial statement you organize. It traces the flow of funds (or working capital) into and out of your business during an accounting period.

For a small business, a cash flow statement should probably be prepared as frequently as possible. This means either monthly or quarterly. An annual statement is a must for any business.

In short, a cash flow statement can be used to assess the timing, amount and predictability of future cash flows and it can be used as the basis for budgeting. You can use a cash flow statement to answer the questions, “Where did the money come from?” “Where did it go?”.

Leverage with talent human resource

Small business must know what you look for and what to shun when recruit a new talent human resource.  Please note your human resource is also a key area of ROI.  Hiring an unfit employee can be a catastrophic impact on a small business.  You must follow all required steps and take time to make your recruitment decision.

In other hand, business owner needs to make genuine attempt to correct the unfit employee within a set period of time.  If he can not show any improvement or progress, you need to let him go swiftly and gracefully.

Leverage social media

such as Facebook, Linkedin, Google+, Pinterest and other popular sites.  Social media is where your prospective clients and customers often hangout.  Business owner’s profile must be crafted relevant to your audience and willing to participate in online discussions in your industry related chats.

Emergency Plan in place

Business owner should be prepared for a natural disaster which could either completely discontinue or disrupt your business operation.  Your emergency plan should be include at the very least an alternate lines of communications with clients in order to preserve the integrity of your service.  In addition, you also maintain, upgrade and updated IT equipment.

More effectively, you need to identify your critical business functions— what resources and personnel will you need to restore or reproduce these functions during a recovery? Assign disaster response duties to your employees.  In addition, business owner needs to identify critical suppliers—Identify suppliers, providers, shippers, resources, and other businesses you typically interact with and need to keep your business operating. Develop professional relationships with backup vendors, in case your normal vendor isn’t available due to the emergency.

In short, the more you plan in advance for potential disaster, the quicker you recover and keep your valued and core client intact.

In conclusion, your chance for building a successful small business requires 1) Track your return on investment, 2) Monitor cash flow statement frequently, 3) Leverage with talent human resource, 4) Leverage social media and 5) Develop and have an emergency plan in place.

Resources at Amazon Corner:

  1. The Small Business Bible: Everything You Need to Know to Succeed in Your Small Business
  2. The Big Book of Small Business: You Don’t Have to Run Your Business by the Seat of Your Pants
  3. The Small Business Owner’s Manual: Everything You Need to Know to Start Up and Run Your Business
  4. How to Succeed as a Small Business Owner … and Still Have a Life
  5. The Wall Street Journal Complete Small Business Guidebook

Related Articles


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Currency Exchange update 5/20/15

Currency EXCHANGE CAN SAVE YOU MONEY

Currencies

The USD is slightly stronger against G-10 currencies with the lone exception being the GBP. Among G-10 currencies, the Danish krone and euro show the greatest decline with both lower by about 0.5%. Among emerging market currencies the South African rand, Argentine peso and Turkish lira are all better by nearly 0.3% while a host of currencies are lower with the Russian ruble and Polish zloty off in excess of 1.0%
5-20-2015

If we can help you with any Foreign Exchange needs, please do not hesitate to contact us.

Please note a minimum per transaction is $US 100,000
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Resources at our Amazon Corner:



Real Estate Lenders nationwide…? (residential & commercial)

Investors or Borrowers have challenging credit issue…?  Our private real estate lender network may provide funds for your project.  If you have a good credit score, our relationship with Wells Fargo bank may provide funds for your project.  Please contact us with your inquiry information.

Real Estate Lender


DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

DAJK GROUP

Would you like to reduce your cost of export and import business?

Export_Import

Export and Import Business’ cost can be reduced significant with accessing to a correct and factual information.  Full list of Country Limitation is available for download.

Attention:  Multi-Buyer, Bank Letter of Credit and Repetitive Policy Holders, Insurance Brokers!

USA-Export-Import Bank (“Ex-Im Bank”) cover/support for private sector transactions is typically limited to transactions with a commercial bank as obligor or guarantor.

Ex-Im Bank will consider transactions without a bank undertaking on a case-by-case basis. Regarding the latter, Ex-Im Bank may consider corporate entities that are able to provide detailed financial information sufficient to enable Ex-Im Bank to reach a credit conclusion. Such information should include financial statements audited by an affiliate of an international accounting firm and prepared in accordance with International Financial Reporting Standards (IFRS), and the statements should reflect material bank borrowings.

Full list of Country Limitation is available for download.

Resources at Amazon Corner (Take additional 10% off for first time buyer)

  1. Building an Import / Export Business
  2. Import / Export Kit for Dummies
  3. Start Your Own Import/Export Business
  4. Export/Import Procedures and Documentation
  5. Mastering Import & Export Management
  6. How to Open & Operate a Financially Successful Import Export Business

Related Articles

Mortgage Rate Update – May 8, 2015

Mortgage 6

Friday May 8, 2015

Mortgage Rate Watch – 5/8

Mortgage Rates Lowest This Week After Jobs Report

Mortgage rates had been under heavy attack for several weeks before finally striking back yesterday. The counterattack could only go so far with today’s important Employment Situation …

MND NewsWire – 5/5

Are There More First-Time Buyers Than we Think?

Given how critical first-time homebuyers are to the housing system the Urban Institute says it is important to accurately measure how present they are in the market. The National Association …

MND NewsWire – 5/7

Mixed Signals in Fannie Housing Survey

Fannie Mae said on Thursday that while the results of its April National Housing Survey showed some improvement in housing sentiment, it was “likely not enough to trigger any breakout …

MND NewsWire – 5/5

Supply/Demand Pushing Home Prices Higher

Nationwide home prices are now within 10 percent of their pre-crash peaks and seven states have surpassed those peaks, some have been establishing new high marks for several months …

  • Banks Agree to Remove Credit Notations on “Zombie” Debt
  • GSEs Continue Financial Winning Streak
  • Vendor Updates; SAFE Act Changes on The Way?
  • Servicer Complaints Ebbing with Delinquencies
  • Final Rules for AMC Supervision Released by Regulators
  • MBS MID-DAY: Bullet Dodged After Weaker NFP, But More Coming?
  • Earlier Intervention Policy is Best for Housing Boom/Bust Cycles
  • 10% of Americans are “Credit Invisible”
  • Rate Increases Take Toll on Refi Apps

Today’s Rates

Best Execution
Rate Change
30 Yr FRM 3.87% -0.08
15 Yr FRM 3.17% -0.05
FHA 30 Year Fixed 3.75% +0.00
Jumbo 30 Year Fixed 3.77% -0.06
5/1 Yr ARM 3.00% -0.02

Average Mortgage Rates

Rate Points Change
FHFA *
15 Yr. Fixed 3.47% 1.11 +0.02
30 Yr. Fixed 4.33% 1.33 -0.01
MBA **
30 Yr. Fixed 3.87% 0.38 +0.01
15 Yr. Fixed 3.16% 0.29 +0.01
30 Yr. Jumbo 3.84% 0.35 +0.03
30 Yr. FHA 3.67% 0.23 -0.02
5/1 ARM 2.82% 0.40 +0.06
Freddie Mac **
30 Yr. Fixed 3.80% 0.60 +0.12
15 Yr. Fixed 3.02% 0.60 +0.08
1 Yr. ARM 2.46% 0.40 -0.03
5/1 Yr. ARM 2.90% 0.40 +0.05

RESOURCES at Amazon Corner

Buying First Home: Tips, First Home Owners Grant & First Mortage Guide, Home Buying Process

Willie and the mortgage, showing how much may be accomplished by a boy

Should I Short Sale My Home?: You do have choices in this Real Estate Market.


TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!

Real Estate Lenders nationwide…? (residential & commercial)

Investors or Borrowers have challenging credit issue…?  Our private real estate lender network may provide funds for your project.  If you have a good credit score, our relationship bank Wells Fargo may provide funds for your project.  Please contact us with your inquiry information.

Real Estate Lender