Business Loan Start Uk Up Articles and Links on Business loans

Business Loan Start Uk Up Article

Lessons from Ipoh

India's trump card, however, was Sandeep Singh. His impeccable strikes prompted a debate as to why such an endowed player was kept on the sidelines for such a long time. Diwakar Ram was another player who contributed considerably to the team. That Argentina managed to score the golden goal to win the trophy was no surprise. The Latin American squad is known for such dramatic performances and the most memorable one was at the Champions Challenge in Antwerp last year, when it beat New Zealand by a golden goal.

That Argentina failed to qualify for the Olympics following a golden goal by New Zealand at the Auckland qualifiers and a similar defeat to Canada at the Pan American Games in Rio is poignant indeed. One golden goal in either of these events would have put Argentina on the plane to Beijing. more

United on a mission

Gavin Hunt has also brought in former AmaTuks captain Davis Nkausu as defensive cover and has promised that more signings can be expected. Cameroon international Roger Bahiya was on trial with United, but there is no indication that Hunt wants him to stay on, although the 21-year-old attacking midfielder impressed Hunt and his technical team. He also had a three-month trial with English Premier League giants Arsenal and is apparently wanted by former European Cup champions Olympique Marseille. The youngster is contracted to Cameroon side Astre Douola and will turn out for his country at the Beijing Olympics. His experience could come in handy for the city side should they choose to sign him. Hunt has remained tight-lipped about the identities of potential signings, but assured United fans that the club would be even stronger next season. more

Drawing them out

Bamazi began asking the girls who created each painting.

"Who did this?"

The girls looked to their cards before answering quietly.

"Clifford Darrett."

"Who did this?"

"Curtis Barnes."

Their voices grew louder and more confident with each correct answer.

After touring the gallery, the girls, who came knowing no artists, could identify 10.

Kendrick has been impressed by the work that her students have done. The interaction with Bamazi and other artists, she said, is invaluable.

"I didn't know an artist until I was 17," Kendrick said. "It helps to plant seeds, and maybe someone from this group will go on to teach art or be an artist."

mtullis@dispatch.com

Theme of the day Each Wednesday, Life & Arts showcases material related to youth news, notably through NOW! content. more

TFN economic and business calendar to Tuesday June 10

Copyright Thomson Financial News Limited 2008. All rights reserved. The copying, republication or redistribution of Thomson Financial News Content, including by framing or similar means, is expressly prohibited without the prior written consent of Thomson Financial News.

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Daily Business & Success Tips

There are two specific military principles of strategy that your can apply in your personal and corporate life to be far more effective. One key principle that you can use is called the Principle of the Offensive. This principle requires that you accept full responsibility for your situation, whatever it is, and then you take charge and take action. You go on to the attack. You become proactive rather than reactive.

The Key To Breakthroughs
I have consulted and worked with hundreds of corporations. In every case, I have found that all great breakthroughs, and breakouts from problem situations, involve someone making the decision to take aggressive, forward action. The wonderful thing about this attitude of the offensive is that it invariably leads to an outcome that is superior to that of just waiting for things to improve. more

Business Loan Start Uk Up

KIEV, Ukraine (Jan. 9) - Russia's Gazprom said it could restart gas shipments through Ukrainian pipelines to Europe on Friday once EU observers begin monitoring the gas flow in Ukraine. Gazprom CEO Alexei Miller said that he hoped a final monitoring ...

Gazprom May Resume Gas Shipments to Europe - AOL

The lowest interest rate in the history of the Bank of England will deter savers from depositing money and further undermine troubled banks, it was claimed yesterday. Two thirds of savings accounts are set to pay less than 1 per cent after the Bank ...

Interest rate cut 'will starve banks of cash', as savers are deterred - Times Online

The Bank repeated its plea for fresh action to help homeowners and businesses and warned that further measures were needed to help kick-start the economy. It is the fourth such appeal the Bank has made since the start of December following growing ...

Interest rate cut to lowest for 300 years - Daily Telegraph

LONDON : Following is a round-up of key small cap movers on the London stock market on Friday. 11:51 a.m. - Provident Financial down; Broker downgrades Shares in Provident Financial fall 3 percent after Credit Suisse downgrades the company to ...

Hot Small Caps: Provident Financial down - International Herald Tribune

Savers are being hit with interest rates as low as 0.001% as the Bank of England's base rate falls to its lowest for 315 years. An account with £5,000 now earns as little as 5p a year in interest - a paltry return for a lifetime of prudent saving ...

Savings income cut to shreds as rates drop - This is Money

LONDON (Reuters) - The top share index <.FTSE> was 0.3 percent lower in early trade on Friday with weak miners weighing and investors cautious ahead of some key economic data due later, notably the U.S. December jobs report. By 8:58 a.m., the FTSE ...

FTSE down as investors await key jobs data - MSN UK News

The scrap trader was immovable, despite Wu Wenxiu's pleas. She would pay one yuan - roughly 10p - for a kilogram of plastic. Around the corner in Shi Yuhai's yard, the offer was no better. Wu shrugged his shoulders and began to heave bags from his ...

From east to west, a chain collapses - Guardian Unlimited

Savers are being hit with interest rates as low as 0.001% as the Bank of England's base rate falls to its lowest for 315 years. An account with £5,000 now earns as little as 5p a year in interest - a paltry return for a lifetime of prudent saving ...

Savings income cut to pennies as rates drop - This is Money

The UK’s technology start-up community is increasing pressure on the government to provide more support to help young companies survive the recession. Among the suggestions to aid start-ups are: a one-off financial stimulus package; a reduction in ...

UK tech start-ups call for more support - Financial Times

Lara Croft has become the latest victim of the financial crisis, with sales of her latest game not selling as well as expected, particularly in North America. UK games developer Eidos warned this morning that sales of Tomb Raider: Underworld had ...

Resolved Question: Business Finance for New Businesses in UK?

Im planning on starting up my own business in Accounts and Book-keeping services in the UK, and was wondering where the best place would be to try to get start up finances. I would rather not get a loan so early on if I can help it as the interest rates on Loans right now is quite high, Ive already checked... so was wondering if anyone knew of any other ideas ... more

Resolved Question: How do these nigerian / UK scammers know my business?

How come everytime I email someone and mention something about a car, motorcycle or home that I start getting nigerian / UK scammers emailing me about car/home loan offers? Are they hacking into my email or could there be spyware on my machine that anti-malware programs arent finding? This is really ticking me off. Also, I recently changed my home address and right after changing my address with the USPS I started getting scam offers through the mail. How are these people getting my information? I thought it was illegal for the USPS to sell my information! more

Resolved Question: Start a Business at 16 uk...tax?

Is it legally possible to start a business in the UK at the age of 16? Also, what happens with regards to tax if this is possible. I know that you are not taxed if you have a part time job at 16 but is this the same case if you own a business that is profitable? Also, if this is possible are there any banks that offer Youth Business Banking? Just as a side note - I would not require any investments or loans to get this business off the ground. Many thanks. No stupid adverts please! more

Resolved Question: Woolworths closing down ,WHY?

Ok i'll point out now I have no understanding of high finance or big business but i was just wandering what the logic here is. Woolworths in the UK is £400 million or so in debt and from what I understand unless they can find a buyer the company will go under Surely the best way for the lenders (presumably banks) to get a return on there loans is to get together with the Woolworths board of directors and restructure the business's so that they can start to turn a profit and service there debts ,because surly if they close down then the lenders will have to write off the debt , Am I missing something here ? more

Resolved Question: hi, i would like to start my own dog kennel/cattery business, i was wondering, how do i begin?

i have just passed my dog grooming course, i have a diploma now. i would like to own my own kennels, i live in northamptonshire, i have some money, but obviosly would have to take out a business loan or something. i was just wondering how do i start? do i need a licence? etc.. or can i just buy somewhere then start keeping animals there? please help. genuine and uk only please x more

Resolved Question: Law / Court question for UK.?

I don't know how to help a very good friend. She was given some money by a relative to start a business but 6 yrs later the business was dissolved with no money in it. There was a verbal agreement the money would be paid back but about 6 months later the relative told her she had no intension of asking for the money back as this was the amount she was going to leave her in her will. The elderly relative, I believe is 96yrs old has gone to solicitor saying she need this money for her care. My friend has responded to papers she was given at her home and attended a "Directions" hearing where she thought the judge would see sense and throw it out. She came back devastated as the judge has told her to "change her plea" but she can't understand why as she responded to the papers she had been given (a personal loan)and been very honest. Judge has told her it is going to Trial around April becaus it was actually given for a business but she says she's not going to bother and they can just find in the relatives favour as she is on benefits so she will not get a penny of the money back even if it goes against her. She is worried sick that the judge has not liked her honest response and asked her to alter it to make it look like she sort of embessled the money. She is thinking of leaving the country yet it is for approx £25k excl court costs. My friend has done nothing wrong and she can't afford legal advice so why extend this matter ? Q: Will there be a warrant out for her arrest if she does not appear ? She has already lost weight in the month since the "Directional" hearing - I think this is what she called it but I'm not sure. I'm really concerned for her health and well being as she is not normally like this. HELP I don't know how to help her and any suggestions I give her need to be 100% right so I'm not giving her bad advice. CAB say they can't help because it was a business debt not a personal debt. She cannot afford a solicitor to go with her to court and the thought of a trial is destroying her - literally. Please this is a serious question no flippant answers about should have got it in writing etc etc. What is the worst that can happen if she does not do what the judge said he gave her some dates to do things by but all she can remember is the trial in April. She says they can't hang her for it and debtors prisons don't exist anymore so what is the worst that can happen ? She is clearly worried deep down despite the bravado attitude. Meant to say she has worked all her life in banking and finance until recently when company started downsizing so you can see she has been in great positions of trust even a key holder I think and not on benefits all her life like I've made it sound. I didn't think legal aid existed anymore. She had solicitor but had to ask them to stop due to lack of funds as she's trying to hang onto bit she has to survive. Explain what contempt of court is please ......? Can she go to jail as this is her worry and thinks she will never work in finance again? She has loving partner and 2 lovely kids and does not deserve this. more

Resolved Question: Anyone been approved for mortgage recently?

As the government has just bailed out the banks (indeed many governments have all over the world!!) and stipulated that they have to start lending to small businesses and mortgage loans, my question is has anyone out there in the UK been recently approved for a mortgage and if so, how much of a deposit did you have to have? Has house sales started moving again? Is now a good time to buy before house prices increase due to approved lending increases? more

Resolved Question: What should I do with my financially abusive husband?

I can't believe this! My husband stole money from me! My husband is extremely abusive, emotionally, mentally, financially and verbally. Regarding finances, the first year we were together, he didn't work and I was the only one brining money home. He forced me into getting a loan and credit card for an imaginative business idea that would benefit us both in the future, then he took the credit card and loan off me and spent it on extensive shopping for himself and changing his mobile handset and cars every month. He promised to at least pay the minimum payments, but because he didn't have income, obviously he didn't pay back and I ended up with a huge debt (£20,000) and bad credit so my bank account was closed. My salary was going to his bank account and he spent it all, the only money I had was for train ticket to go to work. I was in love with him, so I let him get away with that, and thought I sacrifice myself for him so that he may change for my love. Then later on I got pregnant and couldn't work. We had to move in to my brother's house and we were at my brother's mercy for 9 months, during which my brother gave us pocket money. It was so infuriating and depressing but I couldn't do anything. My father sent me some money, I kept it somewhere to save, but realized the money was getting less and less every day, and he denied he was the one taking it. When the baby was born he had to go to work as my brother moved somewhere else. My maternity allowance and child benefit went to his bank account, during the past 15 months that I stayed at home with the baby and he is the one working, he didn't give me any money at all even for bus fare. So I was stuck at home, depressed and isolated. My brothers gave me some cash gifts worth £550 over 1.5 years that I saved hidden somewhere so that he couldn't find it and I kept in for emergencies in case my baby needs something. Eventually he found the place and my money started getting less and less and still he denied taking it. I was so frustrated and later he gave my money back. £550, claiming that he is doing me a favor and I was the one who lost it in the first place, but that's not true because I hid it under my bed in a safe bag. We are moving to US and I thought I can escape from him in US, so I sold all of my pre-marriage Gold that I saved through years, altogether I could create $4100. Yesterday he found it and stole $100 of it. And still he denies it. I can't believe he stole from me again. He wants to make me feel like crazy by denying it!!!! What should I do? Just to say, I can't stay in UK anymore, because with this credit history I can't do anything, and I couldn't extend my visa because he took all my money and i couldn't pay for university. The only option now is to go with him to USA because he is a US citizen. I think I don't love him anymore, because he is a Charlatan. What should I do? more

Resolved Question: Best business for under 16 ?

Me and my friend have decided to start a business so when we are older we will have enough capital to start a proper Business instead of asking for loan Do not say focus on your studies as we are already good at it.We would prefer a business that does not have too much to do with IT We also have connections outside the UK so we can import stuff too This is not just for pocket money we are seriously thinking of the future Most billionaires started young more

Voting Question: Should I accept that wage and job?

I'm a foreigner living in Liverpool UK. I just finnishing my MBA (Master in business administration) and I have 8 years of experience in my country in Operations in the IT industry. I had recieved an offer to be Software Development Project Manager in Liverpool, the company is small but seems is growing up fast, that is the Job that I was looking for, but in which I don't have experience so it is a good opportunity. Also, they would sponsor my working visa ( I have international student visa right now). The problem is that the wage seems low to my profile, they are offering me 19.000 British Pounds a year. Should I accept that job? or should I keep looking for jobs? (I'm low in founds, and I will have to start to pay my loan soon) What do you think? They offered me, a cheap rent flat near to the office. (around 30% less than average) more

Resolved Question: Ok im desperate to know if this is a scam, must know before i shell out 777 bucks via western union?

HELP i think im being scammed, need advice!? ok saw a beautiful apartment on craigslist and have been trying to communicate with the owner who states hes in uk, i discussed renting it and he mailed me this letter: Is full furnished (beds in boths bedrooms, couches, chair all you saw in the pictures), utilities :water, gas,electricity, Internet, cable, parking, air conditioning, dishwasher, garbage disposal, microwave, refrigerator,Washer/dryer, square ft.950.. I`m in UK now and I told you the keys are to UPS. UPS checked the documents if they are legal, before they were send and before I started the transaction with you.The transaction is sure, i will send you the keys and give you the traking number so you can check the package on the ups site , with the tracking number i will send you also the scaned paper from UPS.After you will received the tracking number from the ups, you will have 24 hours to deposit the money on the ups agent`s name(all details will be sent from UPS). With the keys and the contract you will receive also all the documents of the APT. After you will receive the keys and the contract you will have 5 days, the period for inspencting the apartment . In this period UPS hold the details of the payment; so that you send your confirmation to us if you are satisfied with the apartment. Only then, UPS will send me the money. I will not receive the money before you receive the keys and the contract and verify the apt. is this a scam? then i responded asking him so basically do you send me the keys and i inspect the apartment and then i send you the money. he replied: You have to pay $777 , for security on UPS agent s name. The package will stay in UK untill you make the payment confirmation, then it willl be released at the address you provided. so i told him im tottally lost and he responded: Hello, The keys and the contract of my apt are already at UPS in London,United Kingdom, sealed and loan for forwarding. I have a contract with UPS EXPRESS if this business owes them to cross. I'm in Leeds, United Kingdom and I cannot meet you in person. This is the reason why I chose to rent my apt on Internet. If you are ready to proceed with this transaction I will need to inform you the steps about this service work and how we can make it happen. Like I said, I will pay for a 3 days delivery so you will receive the Keys and the contract signed by me right away. I will explain to you step by step how this will work . 1 - To start this transaction i will need to know your full shipping information, full name, full shipping address and phone number to proceed with this deal . 2 - I will go to the UPS Office and leave the Keys and the contract on your name as the intended receiver. 3 - UPS will check the envelope to see if everything is OK with it and also the legal papers that will come along with the Keys. 4 - UPS will send you a delivery notification with the tracking number to verify the package on your site and the scaned paper the proof that i sent the package to you. 5 - At this point you will have to go to a WesternUnion Agent Location and make a money deposit on the UPS payment agent`s name for the amount we agreed, the total amount you shall deposit is for the first month of rent . 6 - After you make the deposit you will have to send the info about the money deposit to UPS (Reference Number, sender's name and address) 7 - UPS will verify the payment information and if everything is well they will continue to deliver the Keys and the contract to you (in case you wont make the payment or you will send the wrong information to UPS, they will stop the delivery) 8 - After you receive the package, You will go and check the apt and in 2 days you must contact them and tell them if you keep the apt or not, if all is in order you will instruct UPS to send me the information's about the money deposit and I will be able to receive the funds. If you don `t like the apt they will send your money back to you and you will send them the keys and the contract to them. I will pay UPS Service for the shipping approximately 130$, to send you the package at your door, and you will pay WesternUnion for the Money Transfer fee. Let me know if we can do this, and email me all your full shipping information so we can proceed with this deal . It is not a risk because i will send you the keys and the contract via UPS EXPRESS and i will give you the tracking number to verify the package on the site and the scaned paper the proof that i sent the package to you. Best Regards than i responded saying i was uncomfortable with that and i wanted to see the apartment before i spend the money he said: i can give you the proof that i sent the keys and the contract , but you can't receive them untill you make a payment for my security.You have 5 days to inspect the apt and if you don't like it the money will be returned to you. This is a risk on my part. I don't know you and i can't send you heres the rest of that last one the keys of my fully furnished apartment without knowing who you are. That's an awful lot of trust for me to invest in a stranger , and that's why i use a UPS a safe and secure way to close transaction succesfully.....because i'm not in USA at the moment. more

Resolved Question: Help! im pregnant and looking for an apartment and i feel this pig is trying to scam me!!?

HELP i think im being scammed, need advice!? ok saw a beautiful apartment on craigslist and have been trying to communicate with the owner who states hes in uk, i discussed renting it and he mailed me this letter: Is full furnished (beds in boths bedrooms, couches, chair all you saw in the pictures), utilities :water, gas,electricity, Internet, cable, parking, air conditioning, dishwasher, garbage disposal, microwave, refrigerator,Washer/dryer, square ft.950.. I`m in UK now and I told you the keys are to UPS. UPS checked the documents if they are legal, before they were send and before I started the transaction with you.The transaction is sure, i will send you the keys and give you the traking number so you can check the package on the ups site , with the tracking number i will send you also the scaned paper from UPS.After you will received the tracking number from the ups, you will have 24 hours to deposit the money on the ups agent`s name(all details will be sent from UPS). With the keys and the contract you will receive also all the documents of the APT. After you will receive the keys and the contract you will have 5 days, the period for inspencting the apartment . In this period UPS hold the details of the payment; so that you send your confirmation to us if you are satisfied with the apartment. Only then, UPS will send me the money. I will not receive the money before you receive the keys and the contract and verify the apt. is this a scam? then i responded asking him so basically do you send me the keys and i inspect the apartment and then i send you the money. he replied: You have to pay $777 , for security on UPS agent s name. The package will stay in UK untill you make the payment confirmation, then it willl be released at the address you provided. so i told him im tottally lost and he responded: Hello, The keys and the contract of my apt are already at UPS in London,United Kingdom, sealed and loan for forwarding. I have a contract with UPS EXPRESS if this business owes them to cross. I'm in Leeds, United Kingdom and I cannot meet you in person. This is the reason why I chose to rent my apt on Internet. If you are ready to proceed with this transaction I will need to inform you the steps about this service work and how we can make it happen. Like I said, I will pay for a 3 days delivery so you will receive the Keys and the contract signed by me right away. I will explain to you step by step how this will work . 1 - To start this transaction i will need to know your full shipping information, full name, full shipping address and phone number to proceed with this deal . 2 - I will go to the UPS Office and leave the Keys and the contract on your name as the intended receiver. 3 - UPS will check the envelope to see if everything is OK with it and also the legal papers that will come along with the Keys. 4 - UPS will send you a delivery notification with the tracking number to verify the package on your site and the scaned paper the proof that i sent the package to you. 5 - At this point you will have to go to a WesternUnion Agent Location and make a money deposit on the UPS payment agent`s name for the amount we agreed, the total amount you shall deposit is for the first month of rent . 6 - After you make the deposit you will have to send the info about the money deposit to UPS (Reference Number, sender's name and address) 7 - UPS will verify the payment information and if everything is well they will continue to deliver the Keys and the contract to you (in case you wont make the payment or you will send the wrong information to UPS, they will stop the delivery) 8 - After you receive the package, You will go and check the apt and in 2 days you must contact them and tell them if you keep the apt or not, if all is in order you will instruct UPS to send me the information's about the money deposit and I will be able to receive the funds. If you don `t like the apt they will send your money back to you and you will send them the keys and the contract to them. I will pay UPS Service for the shipping approximately 130$, to send you the package at your door, and you will pay WesternUnion for the Money Transfer fee. Let me know if we can do this, and email me all your full shipping information so we can proceed with this deal . It is not a risk because i will send you the keys and the contract via UPS EXPRESS and i will give you the tracking number to verify the package on the site and the scaned paper the proof that i sent the package to you. Best Regards more

Voting Question: Does credit scoring differ in the UK as opposed to the USA/Canada?

For some time now, I have known my credit rating to be poor, due mainly to youthful irresponsibility resulting in one default and several late payments. I recently purchased my experian report, and have obtained a credit score of 702, and live in Northern Ireland. I know that I'm unable to even obtain a contract mobile phone at present, yet much online literature seems to put 700 and above within the good credit category? I ask mainly because I may wish to take out a loan to start up a business within the next years or so, and am afraid past mistakes may have ruined my chances. I also have moved around alot, had several different addresses, several different banks and numerous jobs in the last 6 years, don't see myself ever being able to afford my own house, and have yet to find a steady job that will be able to sustain me until such a time as I'm ready to go into business myself, given my lask of formal academic or vocational qualifications and haphazard work history. Any help shedding light on what my score means and how I can improve it would be greatly appreciated! more

Resolved Question: how to get a business loan, UK Question only?

i am 16 and I own a small business I set up from scratch when I was 14. It makes a bit of money but at the moment I have no money due to me buying a bike and being ripped off by a chinese man. Anyway, I am looking to start a proper business which I can live off and employ people etc. I have an idea, and land etc. All I need is approximately £100,000 to £150,000 not fully worked out everything, im just getting an idea. Where can I get a loan from or this money some other way. I have no assests or money at the moment. I live with my parents who are not really willing to take out a business loan for me. that loan house website does not look good, im looking for a safe legit way, any website that has google adverts plastered all over it like that is not going to be of any use, i may be 16 but im not stupid wow, a loan from nicole kidman! I AM NOT BLIND OR THICK, and what business uses a gmail email address. anyone willing to actually help me. more

Resolved Question: PLEASE! Can you correct the grammar of my cover letter? NATIVE SPEAKERS OF ENGLISH, YOU ARE MY ONLY HOPE!?

Hello I have considered it as a matter of necessity to write this cover letter My present seeking of a new job is a consequence of the decision to change career, which I have made 2 years ago. My first education is juridical. Then I have entered in economical university. During my study I have realized that the legal field cannot satisfy my personal and professional ambitions. In my opinion, and I do think that I am very far from being the only person taking the same point view, fundamental knowledge in finance and economics is the tool of highest quality making possible to understand and to interpret the surrounding reality much more precise and advances level. Unfortunately, I have approached to the problem of choice of economical university without due attention and have entered in a small and little-known university, nevertheless, having grasped all the opportunities coming with financial education, I have begun to spend a lot of time self-studying, along with university courses. I have purchased for that purpose in usa modern economics, corporate finance, financial accounting and mathematics textbooks with the complete set of supportive supplements (i was guided by the curriculums of usa and uk business schools and, partly, by the literature recommended for preparation to CFA exam) I consider that I have already reached the level of practical and theoretical foundation sufficient to start effective work in financial field. In medium term perspective I have set a goal to get a job in bank’s department responsible for financing bank activities. I consider that in order to achieve it, it will be indispensable to gain an experience in loan department, there are 2 reasons for that: 1. Loan portfolio is commonly the major part of the assets of commercial banks. Hence, the profound understanding of mechanism of its building provides the ability to evaluate the fair value of its assets and to find the ways of improving their quality. 2. Analysis of creditworthiness of potential borrowers implies intensive application of financial analysis, short-term and long-term financial planning methods, all that activity develops skills directly applicable to the process of making decisions regarding financing of the bank activities. I realize that I do not have considerable work experience on relevant position and certificate of degree by prestigious university. That is why exactly I have come to decision to write this letter. I wanted to focus your attention on my purposefulness and will to achieve significant results. The achievement of that goal is the task of paramount importance for me. Could you please be so kind and, if it is possible, pay the main attention to the curent version of the text. I mean that my main concern is the grammar, but i will be still unspeakably grateful to any suggestions on improvement of the content with as little changes to existing structure as it possible. I appreciate very much your responsiveness, patience and kind-heartedness! more

Resolved Question: Help me to correct and to enhance this text, PLEASE!! Native speakers of English, YOU ARE MY ONLY HOPE!?

Hello I have considered it as a matter of necessity to write this cover letter My present seeking of a new job is a consequence of the decision to change career, which I have made 2 years ago. My first education is juridical. Then I have entered in economical university. During my study I have realized that the legal field cannot satisfy my personal and professional ambitions. In my opinion, and I do think that I am very far from being the only person taking the same point view, fundamental knowledge in finance and economics is the tool of highest quality making possible to understand and to interpret the surrounding reality much more precise and advances level. Unfortunately, I have approached to the problem of choice of economical university without due attention and have entered in a small and little-known university, nevertheless, having grasped all the opportunities coming with financial education, I have begun to spend a lot of time self-studying, along with university courses. I have purchased for that purpose in usa modern economics, corporate finance, financial accounting and mathematics textbooks with the complete set of supportive supplements (i was guided by the curriculums of usa and uk business schools and, partly, by the literature recommended for preparation to CFA exam) I consider that I have already reached the level of practical and theoretical foundation sufficient to start effective work in financial field. In medium term perspective I have set a goal to get a job in bank’s department responsible for financing bank activities. I consider that in order to achieve it, it will be indispensable to gain an experience in loan department, there are 2 reasons for that: 1.Loan portfolio is commonly the major part of the assets of commercial banks. Hence, the profound understanding of mechanism of its building provides the ability to evaluate the fair value of its assets and to find the ways of improving their quality. 2.Analysis of creditworthiness of potential borrowers implies intensive application of financial analysis, short-term and long-term financial planning methods, all that activity develops skills directly applicable to the process of making decisions regarding financing of the bank activities. I realize that I do not have considerable work experience on relevant position and certificate of degree by prestigious university. That is why exactly I have come to decision to write this letter. I wanted to focus your attention on my purposefulness and will to achieve significant results. The achievement of that goal is the task of paramount importance for me. Could you please be so kind and, if it is possible, pay the main attention to the curent version of the text. I mean that my main concern is the grammar, but i will be still unspeakably grateful to any suggestions on improvement of the content with as little changes to existing structure as it possible. I appreciate very much your responsiveness, patience and kind-heartedness! more

Resolved Question: Does anyone out there know how you get in contact with the small business bureau?

We are looking to start our own business and I heard that you can go to the small business bureau to apply for grants or loans to get your business started. When i am looking on the internet to find the website all i can find is websites for the uk. Can anyone help?? more

Resolved Question: How to start a new pet shop business (UK only please)?

I'm looking at opening a new pet shop specialising in reptiles in 6-9 months. I have found where to get animals, and some of the dry supplies, and found that I may need to start a 'pet shop management' course to be granted a pet shop licence, in certain areas. What I would really like some help with, is information on any Grants that may be avaliable, as well as places I can find out about business loans and business Morgages for a shop. Does anyone know how much money I would need up front, if stock was to cost about £4,000. I am just finishing university so dont have any spare cash, I'm happy to get a job for a while to get money, but a rought idea of what I need would be appreciated. Cheers :) Vicky more

Resolved Question: is wilsonlenders.firm@yahoo.co.uk a scam or even fraud?

i have been looking for a loan, to help me sort out my low score credit, as i want to start my own business, and have been offered a loan from this mr wilson, to the point of me being asked to send money to a secretary in nigeria, by weston union, has anyone out there been here, have you had any dealings,?? urgent answers needed, more

Resolved Question: Want to start ECO property business - but not enough money in the bank?

Hi, We are looking to start and ECO property business (we feel this is definately the future of property in the UK). The problem is we only have 150K to start with, and its not really enough. In the meantime, we thought we could raise funds by buying small, cheap developments, or auction properties, doing them up and selling for a quick profit. We need to have around 500K to seriously start our ECO business and we really want to do this, but its not easy to find the money. I dont think we are in the position to get a bank loan for the business as we are still starting up (and it might be too risky), also we are not proven enough to get VC capital. Finally, we do not want another partner (equity) partner. There are two of us already and we think we can cope (work wise).. Ive heard that grants, etc are possible and there might be other ways to raise finance.. Any clues or suggestions to help us get started would be amazing! thanks more

Resolved Question: where can i find an unsecured business loan for people with bad credit in the UK. staring a business?

I am in part time employment and also starting a buisiness. I have a registered private limited company but have capital set backs more

Resolved Question: How to get a loan (in UK) to start as self employed?

I`m 24 years old. I`ve been living in UK for 7 months (I`m from Netherlands). I want to register as self employed entertainer and event speaker, but I will need 70 000 Sterling Pounds to get started. The thing is that after graduating University, I have been using my time to educate myself as entertainer and speaker, meanwhile working on and off different unrelated jobs. I have almost finished my business and marketing plan. Where / how it would be possible in UK to get such a big loan, if all I have is my business plan and few testimonials. And I am not a homeowner. Plus, I`m a foreigner. What else should I keep in mind? Thank you all more

Resolved Question: Is a foreign loan OK for starting a small business?

My husband and I are trying to get a small business loan for either a LLC or INC. we want to start up. We have received an offer from Menkel Financial Group for the amount of 20,000. The problem with this is that the group is out of Jamaica (UK) which makes me a bit uneasy. I've tried to run it through the Greater Better Business Bureau (Menkel Financial Group 89 King St. West Jamaica WI 877-292-3584) but they only deal with the United States. They also want a 1500.00 disability insurance payment before the 20,000 is deposited which sounds funky to me as well. I guess what I want to know is if it is a regular practice these days to get a loan over sea's perhaps because of today's rates? Is an insurance policy such as this one a regular practice with lenders. Is there some other way I can look this company up that I haven't tried yet? I have a low credit score and no collateral but I do not want to make a choice just because my choices are limited. Thank you all for your answers. I will follow all the great advise given. I have since sent the following email : ATT: Menkel Financial Group: Ms. Menkel, Thank you so much for your Business Loan Proposal . Unfortunately at this time we will have to decline because the qualifications for the 20,000 loan are too risky for new business owners like ourselves. Please do not contact me by phone ,mail or email anymore. We appreciate your time. more

Resolved Question: Legal/bankruptcy question...advice please?

In 2004 i bought a pub. It turned out to be a big mistake. I had to walk away loosing a lot of money in the process. i have started a new life with my wife in France. I work in the middle east and earn quite good money. My wife and I mortgaged her house in the UK to raise the money to make a cash payment for our house in France. When we left the pub there were some debts most notably to the bank and a brewery loan. The bank had first charge over the property, but as far as I know have not been able to sell it. Behind them were the brewery who had given a loan secured on the property behind the bank. Now both the bank and the brewery are writing to me claiming money I dont have. I did not go bankrupt and the business was done through a company however the bank and the brewery both say I signed personal guarentees to the loan and mortgage.. I have no assets in the UK. The wife's house is up for sale, but the mortgage is in both our names. Advice please. more

Resolved Question: small business loan to start up for International people ?

I am seeking fund to buy an existing franchise here in Indonesia, so I search via internet, but they are only for US or UK citizen..do you know site for International people like me who want to seek a loan to start my own business? thanks a lot more

Resolved Question: I am looking for an unsecured personal loan of £5000?

Hello Which UK loan brokerage or firm, is most liberal in the provision of unsecured personal loans(i am looking to borrow £5000). I have a good credit rating, but no property or proof of income. I want the money to start a business(window cleaning or ebay retailing) thanks more

Resolved Question: Loan for you?

HELLO this is a golden opportunity to brighting the face of those who are face financial problem . our institution have make provision of lending out money in low rate interest any interested person should e mail us, we service 24 hour a day.or you want to start your own business and you don't have money to start,we deal with all kind of financial issues for people who are in need to build up their business or start their own business.if you are interested e mail us now to service your demand, Greg_loanoffer@yahoo.co.uk more

Resolved Question: Loan for you?

HELLO this is a golden opportunity to brighting the face of those who are face financial problem . our institution have make provision of lending out money in low rate interest any interested person should e mail us, we service 24 hour a day.or you want to start your own business and you don't have money to start,we deal with all kind of financial issues for people who are in need to build up their business or start their own business.if you are interested e mail us now to service your demand, Greg_loanoffer@yahoo.co.uk more

Resolved Question: Need the initial help?

Is there anywhere in the UK that will help you with the inital start-up of a business, I mean if you dont have the funds to be able to buy stock for the first few months etc they will give you a loan or a grant to get it. I dont want a loan off a bank, I am more meaning organisations etc. more

Resolved Question: Starting My Own Business, Is It Possible?

I've been told by countless people I'd be better of being my own boss, see the thread below, http://uk.answers.yahoo.com/question/index;_ylt=AuVpiEGK_9znBZFwY_2Oej0hBgx.?qid=20070717001006AAttTzx basically I am Academically Challenged http://uk.answers.yahoo.com/question/index;_ylt=AlxxfAI2RbiS7t92JwVpJtohBgx.?qid=20070717012517AAr5eAH so stuck in jobs I hate and ended up getting treated like shit, I could go to uni but would fail the exams as I am simply no good at them, I would love to start my own business, but because of my really really bad credit I would not get a loan and having no qualifications does not help. Is there any hope for me? I certainly don't think so. I fear I am going to spend the next 30 years floating between minimum wage jobs I hate. more

Resolved Question: Has anyone ever obtained a loan from Jeff Norberts?

I received his information from Yahoo! Answers as I was searching for answers on how to obtain a bad credit personal loan. His e-mail address is jeffnorberts12@yahoo.com. I e-mailed him initially on Tuesday, July 3rd, 2007 to retrieve more information about him. I let him know upfront that I will not be sending any money. He wants my personal information though and sending of any identification cards before we can start with the loan process. He responded and said the name of his company is Norberts Loans Incorporated and he has firms in the UK, India and USA as well. I let him know that I have been scammed out of money before and I wanted to check to see if his company is valid. I ran this information on the BBB (Better Business Bureau) site and no info came up. He swears that I came to the right place to obtain a loan and he swears that he is not interested in scamming me. Please help? Do anyone have more information about this guy or company? more

Resolved Question: What is the relationship between 911 and Saddam?

more

Resolved Question: In what way can we help you?

We are out here to see that all interested company and personal loan are offered to all. barry wire loan gos for all. are you in dept? do you want to start up your business? then here is your chance Contact via mail barrywirelenders@yahoo.co.uk more

Resolved Question: Do want to buy a house?

We are out here to see that all interested company and personal loan are offered to all. barry wire loan gos for all. are you in dept? do you want to start up your business? then here is your chance Contact via mail barrywirelenders@yahoo.co.uk more

Resolved Question: Do you need loan?

We are out here to see that all interested company and personal loan are offered to all. barry wire loan gos for all. are you in dept? do you want to start up your business? then here is you chance Contact via mail barrywirelenders@yahoo.co.uk more

Resolved Question: Business Bank Account in the UK?

I'm a young EU citizen (an engineer), currently in London, interested to start a small business in the UK. I'm interested in opening a business bank account for the purpose of starting the small business. I don't need any credit line or loan of any kind, just want to be able to deposit checks etc. Which bank will allow me to open such an account? What forms/documents do I need to have in order to do so? I don't have any previous credit history (am young - 24 - and just got to the UK two weeks ago). Thanks. more

Resolved Question: can i get a loan from the goverment to start a business in the uk ONLY?

more

Resolved Question: Company Loans?

I am thinking of starting an online retail business with a target market in the UK. I will form a Private Limited Company and am thinking of getting a business loan from a major high street bank such as Barclays. The loan I am thinking of is around £2000. What are the exact terms of this loan? i.e when will I have to start paying for the loan and if my company goes into liquidation will I have to pay this loan back? I do not want to get into debt but need adequate start up capital. All the help you can provide would be great Thankyou for your time more

Resolved Question: Starting in Business as a Loan Broker?

I would like to start a loan broking business in the UK. I have not done this sort of work before but I have a lot of experience in financial services so I hope to be able to learn quickly. Can anyone please give me some advice on how to go about starting such a business - how to find lenders etc Thanks more

Resolved Question: How to become a finance broker?

I would like to open a finance brokerage in the UK but don't know how to go about it. It could be personal loans or commercial. Could someone please suggest how I go about it and also tell me where I can get more information about this business. Also, if you've started up such a business, could you share your experiences? Finally, can anyone suggest a niche to focus on in this industry? Thanks! more

Resolved Question: Business Bank Accounts UK with poor credit. Companies that guarantee to open 1 for a fee - trustworthy?

Hi, Im hoping someone kind will help me! Unfortunately I have poor credit history, thanks to an unscrupulous ex. Im dealing with debts I shouldnt have, but Im doing ok. And I dont live on benefits before I get any rude comments! Ive started a small business, which looks to do nicely, but am currently using my own basic bank account. I really want to make a success of it for mine and my children's sake, but my bank turned me down for a business account. Ive heard a lot about these companies that will 'guarntee to open a 'Big 4' account for a fee . How does this work, are they trustworthy, and if anyone has done it this way - how did they get on? I really hope someone can give me some advice, as I really want to open a business account. Its going to take some time for me to build up my credit rating again. I dont want loans, just the opportunity to make this work in an easier way! Thanks xxxxx more

Resolved Question: Ratio analysis?

Rediware Ltd is a small textile company based in Salford, UK. The company has been operating for 30 years and has enjoyed a slow but steady rate of growth over that period. The company was started by Antonio Sardu, an Italian immigrant, and was managed by him up until 31 March 2000. The company employed 30 workers (mostly female) and supplied a limited range of children's wear to clothes shops in Lancashire and parts of Yorkshire. Antonio estimated that school shirts and blouses accounted for approximately 60% of the total turnover of the business. Over the years the company had established a solid but unexciting image amongst its customers. The clothes provided were well produced and durable but rather traditional. In the years leading up to 2000 the company had been growing at the rate of approximately 4% per annum. On 1 April 2000 the company was taken over by Antonio's son Guiseppe. Guiseppe was twenty-six years old and had acquired a degree in law. He worked for four years for a multinational oil company, as a trainee marketing manager and later as a marketing manager for a brand of engine oil. Although he was enjoying some success in his chosen career, Guiseppe began to find the prospect of running his own business increasingly attractive. Upon graduation he had made a conscious decision not to join his father's business immediately, partly because he wished to be independent and partly because he wanted to acquire a wider experience of the world of business than Rediware Ltd could offer. However, when his father announced his intention to retire, Guiseppe decided that he would like to take over the business and run it in a way that he saw fit. Antonio Sardu was delighted by his son's decision and during the last six months of his management he tried to provide as much information and advice on the business as possible to his son. Guiseppe found his father's advice useful but soon decided that the company needed a change of direction. He felt that the image that it had acquired over the years was a real barrier to significant growth. He believed that real growth could only be achieved if the company became more attuned to the changes that had occurred in the children's clothes market in recent years. Children were becoming fashion-conscious at an earlier age and were exerting an increasing influence on their parents' buying decision. Guiseppe also felt that the retail outlets that the company supplied in the past were unlikely to be an adequate base for future growth. Most were small owner-managed retail businesses that had suffered for some time from the general effects of an economic recession, which had a bad effect on the size of the children's market, and from the specific problem of increasing competition from large multiple stores and mail order operations. On taking over, Guiseppe commissioned a leading fashion designer to design a new range of children's clothes for the company. Within a fairly short period, the designer created a range of nylon leisurewear/sportswear clothes using bold primary colours for children in the 8-12 year age group. Guiseppe was excited by the new range and, through a former business associate, arranged for a buyer from a large chain store, Beta plc, to inspect the designs. The buyer was impressed and, after some negotiation, it was agreed that Beta plc would purchase the new range of products for sale through its stores. The contract from Beta plc was for £310,000 in the year to March 2001 and £455,000 in the following year. At the end of the year to March 2002, the fashion designer was commissioned to create a new range of products for the company as it was felt that the existing range had come to the end of its life cycle. The new range was also received with enthusiasm and it lead to orders from Beta plc worth £390,000 and which were for delivery during the year ended March 2003. Rediware Ltd continued to produce its more traditional range and to supply it to established customers as well as fulfilling the contracts with Beta plc. However, this customer base was not growing as the contracts from Beta plc placed a considerable strain on the production capacity of the company. In order to meet the conditions of the contract with Beta plc, it was often necessary to reschedule other work and so established customers were often subjected to delays in delivery. This led, inevitably, to a loss of goodwill and lost sales. Although Guiseppe made some attempt to satisfy the traditional customers, he felt that it was necessary to give priority to Beta plc in order to achieve the growth that he wanted for the company. Nevertheless, he did feel that some increase in production capacity would be required as he was hopeful that the contracts from Beta plc would increase over time. Under Guiseppe's management, the company had begun to replace some of the older equipment in the factory but to increase production capacity significantly, more new equipment costing £540,000 was required. In addition, more factory space and storage facilities were required. The existing factory could be extended to meet these requirements at an estimated cost of £72,000. To finance this expansion Guiseppe was considering either the issue of new equity shares or taking out a long-term loan. The accounts of the company over the last three years were as follows: Extracts from profit and loss account for the year ended 31 March Balance sheet as at 31 March A subsidiary of the multinational oil company for which Guiseppe previously worked was now a major supplier of nylon material to Rediware Ltd. He had close contact with their senior management before and since taking over the company from his father. The subsidiary, Nymax Ltd, had for some time, been interested in identifying suitable investment opportunities. Guiseppe was aware of Nymax's interest in making some outside investments and proposed that the supplier should make an investment in Rediware Ltd for an amount equivalent to the cost of the proposed expansion. This would represent a new activity for Nymax Ltd, which had previously made no outside investments. In April 2002, Guiseppe entered into serious negotiations with the senior management of Nymax Ltd. During these negotiations he supplied the following unaudited forecast profit and loss account for Rediware Ltd for the year ended 31 March 2003. Forecast profit and loss account for the year ended 31 March 2003 This forecast statement was based on the assumption that the new equipment and additional factory space would not be acquired and, therefore, Guiseppe argued that it should be considered a conservative estimate of future profits. At one of the meetings with the senior management of Nymax Ltd, Guiseppe supplied details of the contract with Beta plc. He also informed the managers that the current market value of the freehold property was £610,000. Guiseppe made it clear that he would prefer that any investment from Nymax Ltd should take the form of new equity shares. At present, the shares in Rediware Ltd were held as follows: After consulting with the other shareholders, Guiseppe offered to issue new shares in the company to Nymax Ltd at a price of £68 per share. Alternatively he was prepared to accept a 12% loan that would be guaranteed by Mr. Antonio Sardu and which would be repayable in equal annual instalments over a five-year period. Nymax Ltd was given two weeks to consider the proposal. The accounts of Nymax Ltd for the year ended 31 January 2002 were as follows: Extracts from profit and loss account for the year ended 31 January 2002 Balance sheet as at 31 January 2002 You are required to: a.Evaluate the financial position and performance of Rediware Ltd for the three-year period ended 31 March 2002. b.Evaluate the investment proposals made by Guiseppe Sardu from the perspective of Nymax Ltd. c.State what other factors need to be taken into account before a Nymax Ltd make a final decision. more

Resolved Question: I run a business projecting £250000 turnover this year. Are we below or over the average in the uk?

I started a business from my bedroom just over 2 years ago. I have now 2 employees and rent a building as my business office. We project to post £250000 turnover this year and 1 million within 3 years. What's the average turnover in the UK? Are we below or over the average? For this kind of turnover, what shall we expect from our bank in terms of overdraft and loans. We have multiplied our turnover by 5 times in the last 4 months and we need now to make a substancial investment. Our bank manager won't even give me a business overdraft and this means my business credit scoring is being affected as expenditure has increased exponencially and I have gone overdraft a few times. The worst thing is that there have been 2 cheques returned because there were no funds when they came through. An overdraft would eliminate this issue and also give us flexibility. Am I asking for too much? How should I approach this situation? more

Resolved Question: How do I get free stuff?

I am a budding Digital DJ/KJ. I have recently moved to Ireland from the UK. (sorry !) I used to work for a company in the UK that supplied all the kit. I just turned up and used it. I have a very small collection of MP3s, (about 2000) and about 3000 Karaoke songs. I have some pro kit, and a laptop. I just need to get some things to be able to start making money. i am looking to get sponsorship, some kit on loan, or some freebies like promotional material, e.g, software, hardware, flight case, mics, headphones, lights, etc. Or just things like stickers, keyrings, free business cars, (yes I know you can get them on the net if you pay posatge, so that's not free is it?) or a trial gig where I can just plug my kit into an existing PA system, or amp and speakers. Please help! more

Resolved Question: can i get a small business loan to help start up my company?

i live in the uk, any advice is really helpful. more

Resolved Question: can i get a small business loan to help start up my company?

any help pls? UK more

Resolved Question: iwould like to know how i can start my own restruant i am in dependent visa in uk.if any loans can i get?

own restruant want to start in uk,i am holding dependent visa.can i get any loans for this business.i am a proffesional chef. more

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Resolved Question: Help me to correct and to enhance this text, PLEASE!! Native speakers of English, YOU ARE MY ONLY HOPE!?

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Resolved Question: is wilsonlenders.firm@yahoo.co.uk a scam or even fraud?

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Resolved Question: where can i find an unsecured business loan for people with bad credit in the UK. staring a business?

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Resolved Question: Loan for you?

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Resolved Question: can i get a loan from the goverment to start a business in the uk ONLY?

Resolved Question: Company Loans?

Resolved Question: Starting in Business as a Loan Broker?

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Resolved Question: Business Bank Accounts UK with poor credit. Companies that guarantee to open 1 for a fee - trustworthy?

Resolved Question: Ratio analysis?

Resolved Question: I run a business projecting £250000 turnover this year. Are we below or over the average in the uk?

Resolved Question: How do I get free stuff?

Resolved Question: can i get a small business loan to help start up my company?

Resolved Question: can i get a small business loan to help start up my company?

Resolved Question: iwould like to know how i can start my own restruant i am in dependent visa in uk.if any loans can i get?

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