photo credit: B.O.G.D.A.N.

I’m an entrepreneur and have finished my business plan. I’m getting ready to raise $2 million for my startup real estate company – but a friend of mine said I should only talk to accredited investors. I’m not exactly sure what an accredited investor is and I don’t understand why I can’t talk to anybody I want to about investing in my company?

Answer:

The term, accredited investors, has to do with securities laws – both federal and state – and making sure you comply with the very onerous restrictions that go with the fundraising for your start up company. I’ll give you both the short and long answer to what an accredited investor is in a minute. But the first thing you need to know is that if you raising capital from angel (AKA private) investors, you will almost certainly need more than just a business plan. You need what’s known as a Reg D Private Placement Memorandum – PPM – in order to comply with federal and state securities laws.

If you plan on pitching your deal JUST to traditional venture capital, you do not need a PPM. However, well over 95% of start up companies are too small, too embryonic, to hit the threshold funding levels, growth levels and potential market caps to attract VC funding. Hence, over 95% of start up companies will seek their funding from private investors. Hence, over 95% will need a Reg D PPM.

Reg D is a securities law exemption for private placements that allows companies to raise investor funds without all the costly and overwhelmingly onerous legal and accounting requirements of a public offering of stock. To qualify for the Reg D exemption, you have to follow very stringent rules. One is having the PPM. Another is not soliciting the general public (this is a biggie.) Another is only pitching the deal to those investors who can really afford to take the risk and lose their money. Hence, they need to be accredited. It actually gets more complicated in that you can usually offer your deal to up to 35 unaccredited investors with most offerings, depending on how they are structured – but trust me when I say that you are better off sticking with the more sophisticated accredited investors.

If you want more detail on it, check out my web site – there you can see why you want to do this, some of the onerous penalties for not doing this (e.g. possible but not probable jail time), and the full listing of Reg D I got from the SEC. Also, from that same page, you can jump to the definition of an accredited investor.

Bonus: For more on funding documents, business plans, articles, tips and tools for entrepreneurs and start up company CEOs, you’re invited to visit my blog and web sites…and ask your own questions. While there, I invite you to download both a sample comprehensive business plan and a complete Reg D private placement memorandum (PPM) for FREE…

http://www.ShouldYouStartACompanyToday.com <~~~ The Blog + Free Sample Business Plan / PPM / Audio / More…

http://www.Virtual-Exec.com <~~~ Virtual Executive Mentoring and Consulting Services

Robert Lee Goodman, MBA, Ceo & Chief Dragon Slayer.

a.) Develop and direct the operations of an enterprise in which they have invested, or are actively in the process of investing a substantial amount of capital;
b.) Invest substantially in an already-established US enterprise;
c.) Develop and direct investments from the treaty country.

The investment should create job opportunities for US workers. While it is preferable to have the U.S. workers hired at the time of application for the treaty investor visa, reasonably achievable projections of jobs that will be created in the future is often sufficient.

There is no specific dollar amount that must be invested to meet the substantial amount requirement, but the investment must meet one of two tests:

1.) It must represent a significant proportion of the total value of the business enterprise; or
2.) It must be sufficient to establish a profitable and viable business of the type contemplated.

Family members (spouses and unmarried children under 21) of the principal Treaty Investor visa holder may obtain derivative status that allows them to live, work and attend school in the US.

Treaty Investor visas are generally issued for four or five years, although some consulates issue the first visa for two years. Extensions are generally unlimited as long as the investment continues, and are often reissued for five additional years at a time.

Applicants in this category must have extensive documentation detailing the business plan, the amount of the investment, the nature of the capital, and calculation of jobs to be created. A successful visa application will also demonstrate how the proposed enterprise will benefit the United States.

Treaty Investor (E-2) versus the Business Expansion Visa (L-1A)

It is often the case that one may qualify for either the Treaty Investor (E-2) or Business Expansion (L-1A) visa. The question then arises as to which of the two visas is the most advantageous. Following is our analysis of this question:

The Business Expansion visa has the following distinct advantages:

One does not have to invest a specific amount of cash in advance of visa approval;

Once the case is presented, one can have approval in as little as 7 – 10 days;

Adjudication of the case takes place in the US, rather than at the relevant U.S. Embassy or Consulate (which can be quite tough on investor cases);

The spouse of the principal gets a general work permit during the life of the visa;

Eligibility for Priority Permanent Residency in the US after 1 year.

In contrast, as explained above, the Treaty Investor visa requires the investment of a “substantial” amount of money, in advance of approval, and usually requires adjudication at an American Embassy or Consulate, which can take several weeks.

Also, although one may plan to remain in the US for only a few years, one might very well change one’s mind about this at some point in the future; the Treaty Investor visa does not lead to Permanent Residency regardless of the amount of time one spends in the US.

Copyright 2008, Ortega-Medina & Associates Ltd. All Rights Reserved.

http://www.ortega-medina.com

Orlando Ortega-Medina is lead counsel for the U.S. business immigration law firm of Ortega-Medina & Associates, headquartered in London, England (UK). The firm also maintains an Of Counsel relationship with The Erlich Firm in San Francisco, California. Mr. Ortega-Medina has particular expertise and insight into complex U.S. business immigration cases, and is frequently engaged by other counsel to troubleshoot visa denials.

Mistake #1 Thinking You Have Plenty of Time to File: Lessons from History

Filing H-1B petitions for delivery at USCIS service centers on April 1, 2008 is no longer an option. This past April thousands of employers saw their petitions rejected because they did not file early enough. On the very first day H-1B petitions were being accepted this April, USCIS received 133,000 petitions seeking one of the 65,000 available H-1B slots. Those employers whose petitions arrived on the second day of filing were rejected because the H-1B quota had already been met. Do not be one of those to get rejections because you filed too late. Early document preparation is essential to making timely filed H-1B petitions.

Mistake # 2 Filing with the Incorrect USCIS Service Center

Filing a petition with the incorrect USCIS Service Center will likely result in a rejection. A petition is filed with the California Service Center if the temporary employment will be in the following states: Arkansas, Arizona, California, Colorado, Guam, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, North Dakota, Ohio, Oregon, South Dakota, Utah, Washington, Wisconsin, or Wyoming.

A petition is filed with the Vermont Service Center if the temporary work will be performed in: Alabama, Arkansas, Connecticut, Delaware, the District of Columbia, Florida, Georgia, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Tennessee, Texas, Vermont, Virginia, U.S. Virgin Islands, or West Virginia.

When the temporary employment will be in different states, the state where your company is located will determine the Service Center for submission of the petition. For example, if the beneficiary will work in Arizona and Texas, and your company is located in California, file your H-1B petition with the California Service Center.

Mistake #3 Using Non-bonded Couriers for Delivery to the California Service Center

If you send documents to the California Service Center using courier services other than the U.S. Postal Service, make sure they are a bonded carrier appearing on the Service Center’s list of approved carriers. If the private carrier is not on the Service Center list, delivery of your petition will be turned away at the entrance to the Service Center.

Mistake #4: Incorrect Filing Fees

Petitions with Incorrect filing fees will result in a rejection. Generally, an employer must pay for the H-1B Form I-129 filing fee ($320), H-1B Training Fee of either $750 or $1500 depending on the size of your company, and a Fraud Prevention and Detection Fee ($500).

If a company currently employs 1-25 full-time equivalent employees, the H-1B Training Fee is $750. Companies who employ more than 25 full-time equivalent employees will need to pay $1500. The employer must pay the H-1B Training Fee upon the initial hire and the first H-1B extension of the same employee. The H-1B Training Fee is not required for second or subsequent petitions for H-1B extension. The Fraud Prevention and Detection fee needs to be paid when the employer initially hires the employee even if he or she is currently working as an H-1B with another employer.

A simple way to remember this is that every employer needs to pay for the H-1B Training Fee twice for each H-1B employee and the H-1B Fraud Prevention and Detection Fee needs to be paid once for each H-1B employee.

© Copyright 2007 Johnny Mei, All rights reserved

John Mei is an immigration attorney and partner with the law firm of Danziger and Mei, LLP located in Woodland Hills, California. Mr. Mei provides clients with solutions in the area business and corporate immigration law. His practice areas include all non immigrant visas, labor certifications, schedule A workers, petitions for EB 1 to 3, National Interest Waivers, investor visas such as E-1 / E-2 and EB-5 investor petitions. Mr. Mei’s law firm has represented U.S. companies, multi-national corporations, start-ups, publicly traded corporations, hospitals, as well as public and private universities, and foreign investors.

He is committed to providing legal services focused on professional ethics and giving clients results through creative legal solutions. Mr. Mei endeavors to build relationships with clients based on trust and communication. As such returning client phone calls and emails inquiries is a priority. Oh, he’s also a nice guy. To contact John Mei, please visit his firm’s website at: http://www.danzigermei.com/

While many mortgage lenders, brokers, bankers, advisors, or whoever may tell you that you can get a zero closing cost loan, the fact is, they simply don’t exist. One way or another you are going to pay/incurr closing costs.

That said, there are many ways to pay those closing costs:

1. On a purchase, the seller may agree to pay some or all of the closing costs which reduces your cash outlay for closing costs
2. In most cases, you may opt to take a higher interest rate in order to reduce or eliminate closing costs
3. You can pay the closing costs in cash, at the closing table, eliminating the need to pay finance charges on the closing costs
4. You can normally opt to have the closing costs included or rolled into the loan itself, reducing your cash outlay at closing

No need to change banks – Your Orange Savings Account will be automatically linked to your current checking account. ING DIRECT – High Yield Savings with the Orange Savings Account.

The above list does not cover all the possible options, however, it covers the basic options. The other options will simply be some variation of those listed above.

Estimating the closing costs
Items that are part of, or considered closing costs include:

* Loan origination fee
* Lenders fee – if using a mortgage broker
* Credit report fee
* Appraisal Fee
* Processing Fee
* Wire transfer Fee
* Underwriting Fee
* Survey
* Title insurance
* Closing or Escrow fee
* Filing Fees
* Attorney Fees
* Pest inspection
* Recording and/or transfer fees
* Document Preparation
* Notary Fee
* Mailing or courier

Those are the major items that can be included as closing costs. Some are required, some are not. Some may be negotiable, others are not. Some will vary from lender to lender, lender to broker, broker to broker, or title company to title company, others will not.

Some items that are NOT considered closing costs, but need to be taken into consideration when trying to estimate any cash out of pocket or you loan size, include the followng:

* Pre-paid interest
* Mortgage Insurance Premium
* Hazard insurance (homeowners insurance premiums
* Reserves for payment of future property taxes, homeowners insurance, and mortgage insurance premiums
* Flood insurance premiums
* Property taxes that are due at the time of closing

Important Facts

* Title insurance is regulated by the state insurance commission, varies from state to state, and is not negotiable
* Flood insurance, if required (this is determined by the location of the propety, if it is in a flood zone) is not negotiable as to whether or not you need it, however, premiums are determined by whoever you choose as an insurance provider
* The fees which are charged by the title company you close with include, but are not limited to; recording fees, fed-ex or mailing fees, closing or escrow fees, document preparation, and attorney fees (where required), do vary from title company to title company.
* You have the right to choose the title company you close with – however, in a purchase transaction, in most cases, the seller has already established or set up preliminary escrow with a title company. That does not mean you can’t demand that it be changed. Just keep in mind that the seller may not be willing to change the title company and your sales contract may/should state where the closing will take place. That still does not mean that you can’t choose to change it, just expect some resistance
* In most cases, an appraisal is required – the only exceptions to this are normally small home equity lines of credit and/or very low Loan to Value loans. In either case, the lender will make the final determination if an appraisal is required
* It is a requirement that you be given a Good Faith Estimate of settlement charges within 3 days of applying for a mortgage loan – if you don’t get one, automatically, make sure you ask for one
* You may only be charged the exact cost for the credit report and the appraisal

This article is simply trying to explain what closing costs are along with some specific facts about some general closing costs. It is just intended to give you an idea of what may be included as closing costs so you have a basic idea as to what to expect.

I would always suggest that you do some shopping around before deciding on a lender or broker to handle your mortgage transaction.

Obviously, the best source of good information is from friends and/or family members regarding someone or a company that they have used in the past. A referral to a good company or individual from someone you know and trust is normally the best place to start.

Ok, back to closing costs. It is imperative that when you are comparing costs from one company to another that you have all the facts and information straight from all companies that you are comparing. The Good Faith Estimate, in what you will normally utilize to compare costs. You simply need to make sure you are comparing “apples to apples”.

This is often easier said then done.

The most important area of comparison when comparing lender to lender or broker to lender, or broker to broker, is the top portion of the Good Faith Estimate. The origination fee and below in the “Items payable in connection with loan” is the heading of the section – it is numbered as 800.

This is really the only section where the company you are dealing with has any real control over. Unfortunately, the confusion normally begins with the lower sections of the Good Faith Estimate and here’s why;

1) Some companies will underestimate the Title Fees and recording fees

2) Some companies will try their best to give you accurate numbers for these other sections

Why do they do that?

Well, some will underestimate the costs simply to try to get your business. The unfortunate part about this, other than the outright lying, is that you will typically not find out about it until you are at the closing table. This is exactly what they are hoping for, taking the chance that you will figure it is too late to do anything about it and simply sign the documents.

Why can’t they give you exact numbers?

For some items they can, while other fees are strictly dependant upon a third party and they simply have no control over those costs. However, any mortgage broker or lender that has been in this business for any length of time, can certainly do a good job of getting you very close in your estimates of closing costs.

Let’s look at an example:

I am in Texas. Although I do some loans outside of Texas, I am most familiar with Texas and the corresponding fees so I will use Texas as an example.

Being in Texas, I know, based on the size of your loan, how to estimate your title insurance policy and escrow fees (the title company charges). Since, as stated in my last post on closing costs, title insurance is state regulated and the very same amount at every single title company based on your loan size, I can tell you with good certainty what your title insurance costs will be. Additionally, I can give you a very close estimate on the title company closing costs. So, with that information, there is no excuse while I can’t give you a very close approximation of all the fees associated with the title company.

Although the insurance and property taxes are not considered closing costs, they are still a very important part of the real estate transaction. And, again, the consumer is very concerned about their total cash outlay at closing, be it closing costs or pre-paid items. Therefore, I feel that it is essential that you get good information about these items as well on your Good Faith Estimate.

Getting back to the Texas example…I know, being in Texas, approximately what your homeowners insurance is going to cost and how many months of reserves are going to be required at closing. It is the same with property taxes. In Texas, for example, property taxes are always due in December (actually, they are not considered late until the end of January). So, for example, if you are refinancing your mortgage, in Texas, during the month of say, March and your first payment is not due until May 1st, then it will be required that the reserves for the taxes will be 5 months. The tax rates are published and are available, and besides that, I can estimate within a few hundred dollars, the actual property taxes on the property without knowing the exact caluclation for the city that the property resides in. If you simply use one of the higher tax rates in Texas for the estimate, then your estimate will be very close if not actually a little higher than the actual cost at closing. The other charges of the appraisal and a survey (if needed) are also costs that can be easily estimated very closely.

The bottom line is that any lender/broker should be able to give you very close estimates. As a matter of factly, there is no reason why the Good Faith Estimate should not be within a few hundred dollars of the actual costs and, hopefully, it is over-estimated so that the situation I spoke of earlier (coming to closing and finding out your costs are actually substanially higher) does not occur.

Unfortunately, there is nothing out there, as far as the law is concerned, that states that any Good Faith Estimate has to be within a certain dollar amount of the actual costs. At this time, you are having to rely on the person you are dealing with to give you good numbers. It has always been my practice to get my Good Faith Estimates as close as possible, and even over-estimating in cases where some costs are not known perhaps due to some unusual circumstances or not knowing, at this point in the process, if an item such as a survey will be required or not.

There is simply nothing to gain by under-estimating closing costs on the Good Faith Estimate. It tells the customer up-front, how much cash they are going to need, and saves any unnessessary aggrevation for the customer later, so why not get the numbers as close as possible?

On the other side of that issue, you are depending on someone to estimate the fees of a third party. As I hope I have made clear, while it is clearly not possible to get the exact numbers of the third party fees, it is surely very possible to get very close to the actual numbers. It simply takes some experience and a little bit of time. If you happen to get a loan officer, whether they work for a lender or a broker does not really matter, that is relatively new to the business, then they may not have the experience to get close to the actual numbers on their own. This is not an excuse at all, as there is surely someone there, who they work for, that has the experience to get the numbers close for you.

As of this writing, the best thing that you can do is gather the Good Faith Estimates of the companies that you have been talking to and do your best to make the comparisons accurate. With the information above, you should be able to work through the costs associated with the loan and discount those that you know will be very close, if not exactly the same, no matter who you decide to go with, and compare the remaining costs.

Once you have eliminated the essential “fixed costs” you can narrow your comparison down to the “variable costs” (for lack of a better term) for each companies Good Faith Estimate. One last note that is critical to comparison shopping is making a comparison regarding the rate and term of the loan along with the Good Faith Estimate to make your final decision. As stated in an earlier post, one company may offer you a better rate, but higher closing costs, while another is offering lower closing costs but a higher interest rate. That portion of the comparison is for another discussion and will be included in another post, however, the gist of that comes down to what situation works best for you.

Just remember that in all cases, you have the right to choose the title company, and, in most cases, even the appraiser (albeit with some limitations). If a company tries to tell you that you “must” use their title company to close the loan, you can choose to push the issue as there is no such requirement. To the contrary it is not lawful for anyone to force you to utilize any particular third party service. However, do keep in mind, that if you are buying a house, while you still have the same options of choosing the title company, alot of times it is simply easier to use the title company that has been designated either by the seller or the builder. That is not to say that you should not comparision shop other title companies if you feel strongly about it, all I am saying that in a purchase transaction it is typically easier to use the designated company (especially if buying a new home from a builder) as chances are they are already familiar with the property and have already obtained a preliminary title report on the property itself.

David Demko

Credit Questions Answered at:

http://www.financial-counseling.com

Texas Mortgage Loans and Information on Mortgages at: http://www.mortgagecreditsource.com
Business Consulting, Internet Marketing, and Web Design http://www.ddemko.com

I have over 15 years of experience in the mortgage industry and have spent the last several providing information to consumers and businesses about the mortgage industry. In addition, I answer consumer credit questions and provide business consulting primarily to small businesses looking to become successful on the internet. I can be contacted through any of the web sites listed above. I hope you find the articles interesting and informative and if you have any special areas of interest, please email me and I will put the information together for an article.

The green card lottery itself is interesting. Annually, 50,000 immigrant visas are given out through the program. The green card lottery is a lottery offering these visas to immigrants from countries that have sent fewer than 50,000 immigrants to the United States over the past five years.

The way the green card lottery works is fairly simple. Each year the State Department holds the lottery. From the qualified applications, the Department selects 110,000 applications. The number is high because not all of those selected will complete the process, so this helps to ensure that all 50,000 visas will be issued. However, despite how many are selected, the lottery closes as soon as 50,000 visas are issued or the fiscal year comes to an end.

If you are eligible for the green card lottery and manage to receive a visa, there is a lot to be happy about. You will receive authorization to live and work in the United States on a permanent basis. In addition, the visa allows you to bring over your spouse and any unmarried children you may have that are still under the age of 21 into the United States.

So how do you apply to the green card lottery in the first place? There is an application that must be filled out. You can fill it out yourself or it may be submitted for you. What is important though is this: if more than one application is submitted for you, you will be disqualified. It does not matter who submitted the applications, more than one will automatically kick you out, so be sure you know what is going on with your application. Once you are sure it is only being done once, make sure your read and follow all application questions and processes carefully. Every year, literally millions of applications are rejected simply because they are not filled out completely or correctly. The green card lottery people do not have time to contact everyone who has made an error, so it is up to you to make sure you do things correctly or you will be rejected before you even give yourself a chance.

If you are or someone you know is an immigrant from a country that does not often send immigrants into the United States, then you may want to look into the green card lottery. It is a great way to get yourself planted in the country permanently as well as making you able to bring in your spouse and children. If you want to make the United States your home and think you may meet the requirements for the lottery, then you should definitely fill out an application and give yourself a shot to win. Like they say with any lottery, you can’t win if you don’t play.

If you would like the latest information on the lottery, or find more of my personal articles like the one you just read, visit my green card site!

Now that the H1-B cap has been reached, what are the options for foreign workers?

The H1-B cap was reached by the USCIS in an unprecedented speed this year. In years past, the cap was reached in almost two months for fiscal year of 2007 and in four months for fiscal year 2006. It is clear that there is a big incongruency between the existing foreign talent and the amount of available H1-B Visas. As a result, one should explore other sorts of work Visas for entering and working in the United States.

The following Visas are options for entering and working in the US.

H-2B Visa: The H2-B Visa is available to foreign non-professionals, excluding agricultural workers. It is only available for work that is temporary in nature and grants a year of authorized stay. In general, this Visa can be extended for up to three years.

H-3 Visa: This type of Visa is available to those seeking to enter the US to obtain training that is not available in their country.

L-1 Visa: The L-1 Visa allows companies operating both in the United States and abroad to transfer certain classes of employees from its foreign operations to the US for up to seven years. The employee must have worked for the company outside of the US for at least one year in the last three years. In general, Green Cards are available to L-1 Visa holders after one year.

EB-2 Visa: The EB-2 Visa is available to individuals with advanced degrees. Advanced Degrees means a Masters or Doctorate (PhD, JD, MD, etc). The education may have been received in the United States or abroad. Individuals with a Bachelors degree and years of work experience in their field may also be eligible. This Visa may lead to a Green Card.

TN Visa: Available for Canadian and Mexican citizens. The applicant must be seeking a profession that qualifies under the Visa. The Visa is granted for one year at a time and can be extended for several years. This Visa can lead to a Green Card.

E-2 Visa: This Visa is available for nationals of treaty countries who wish to invest in the US in various business activities. This Visa can be renewed indefinitely and can have Tax benefits. However, it does not lead to a Green Card.

R Visa: The R Visa is available to individuals coming to the US to work for a religious organization in either a clergy or a lay capacity. The religious organization must have a bona fide nonprofit religious organization in the US. Qualifying positions include but are not limited to: Sunday school and religious instructors, preachers, counselors, cantors, religious media writers/broadcasters, priests, nuns, deacons, reverends. The job must relate to the performing of a religious function. This Visa can lead to a Green Card. There are a number of options available to foreign talent and workers. Make sure to contact an Immigration attorney to determine what option is best for you.

###

© 2007 Immigration Legal Experts, Inc. All Rights Reserved

About the Author:
Attorney Sonia M. Muñoz is the President of Immigration Legal Experts, Inc.,a South Florida-based law firm, handling cases in all 50 states and around the world. The Firm is very active in protecting the rights of Immigrants and in assisting foreign professionals to legally enter and work in the United States. You can find more information about the Firm and different methods of entry into the US on their website at Immigration Legal Experts, Inc or by calling 1-866-482-VISA.

For Attorney Munoz’s CV and more information about her previous experience, seminars, and other published articles visit http://www.immigrationlegalexperts.com

Yes, there is a way that can fetch the harried homeowner a good price and save a lot of trouble. Many real estate companies buy house with cash giving relief to the homeowner and help them to sell house quickly for immediate cash. As an owner, you are able to save a lot of time as the transaction is completed in a short time. Majority of the homeowners want to sell house for cash at the best rates according to the latest market price. This sort of homebuyer’s assistance helps the homeowners to sell all sorts of homes, in any type of condition and get the best price for their property.

Consumers can compare more than 100 credit card offers from the most reputable issuers and banks, and apply securely online. Credit Cards for People with Less Than Perfect Credit – CreditCards.com

We live in a fast paced world with hectic lifestyles and no one has the patience to go through the routines of traditional property selling. And if the homeowner is facing a financial crisis then he requires instant money to tide over the crisis, he has no other choice. These fast cash house buyer UK companies offer you a price based on the market value of your property. If their price offer is acceptable to you then they offer instant cash and the transaction is completed in a very short period.

Quick House Buyers is one such specialist house buying company that buy house with cash. We offer fast processing of your property transaction and offer immediate cash offer against the property. We also offer additional services such as free online house valuation services throughout UK. Visit this professional quick cash house buyer UK at their website http://www.quick-house-buyers.co.uk and get details about the services offered by the company.

photo credit: The ChainMaille Lady

Merchant Cash Advance is a financial product that provides the quickest solutions to business cash flow problems. Most businesses such as restaurants, jewelry shops, hotels, automotive repair shops, liquor stores, beauty shops or fashion stores usually experience occasional cash flow crunch that may arise as a result of unanticipated opportunity, unexpected expense, or poor planning. However, many medium and small businesses face hurdles in accessing needed capital quickly mainly because traditional financial institution processes and risk criteria may not align with their financial needs. Moreover, personal credit options are becoming less attractive because credit cards attract penalties and high interest rates after intro period, while home equity loans places houses at risk.

So what is Merchant Cash Advance?
Merchant cash advance is a form of quick loans that businesses can borrow within short time limits to cushion against risks of cash flow shortages. As such, business owners are able to get a sum of money today by tapping into a hidden asset – their future credit card sales. The owner sells a fixed amount of their future credit card sales at a discount – generally up to $150K per location. Collection is usually integrated with the credit card processor and is automated.

How Merchant Cash Advance Works
Merchant Cash Advance is arguably the easiest and most direct form of borrowing money from credit financiers. The financial product entails simple application processes and administration procedures as explained below:

• Example-$20,000 purchase price is paid to Merchant for the right to receive (RTR) $27,000 over an estimated 6 month+ period (1.35x purchase price);
• The Merchant has two options on how to repay the advance. First, merchant must use MBS Financial affiliated processing partner. Second, Merchant may use the Rocky Mountain Virtual Bank Account Platform which requires no switch of processing companies;
• With either platform, merchant will repay a withholding % of their daily Visa/MC sales overtime until the balance owed is repaid. As the businesses Visa/MasterCard sales go up or down, so is payback.

Benefits of Merchant Cash Advance to Business Enterprises
The benefits of Merchant Cash Advance can only be felt and maximized by identifying the appropriate and affordable financial lenders to work with. A successful identification of the best Merchant Cash Advance providers portends the following benefits to a business:

• High approval rates- Currently averaging 85%
• Easy application process
• Minimal documentation
• Fast funding – as few as 7-10 business days from application
• Collection is automated – no checks to write
• No hidden fees
• Obligation usually completed within 6-8 months
• Payment aligns with cash flow

All types of medium scale and small scale businesses such as restaurants, jewelry shops, hotels, automotive repair shops, liquor stores, beauty shops or fashion stores can benefit from cash advance financing. In many business financing companies, Merchant Cash Advance is automatic to businesses that:

• Accept Visa/MasterCard transactions of at least $2,500 per month, have been in business 6 months, and accept at least 15 Visa/MasterCard transactions per month;
• Are managed by busy owners who do not have time to waste filling out complicated applications and waiting for approvals;
• Prefer funding based on the profitability of their business, not their personal credit history;
• Want funding that aligns with their business’ revenue stream.

Merchant Cash Advances can be used by businesses for variety of purposes such as taking advantage of opportunities to purchase inventories and renovate; managing unexpected expenses like upgrade of equipments, making repairs and paying taxes; and stimulating business growth that involve plans such as opening new locations and fund advertising and promotional programs.

I. Paul is an international financial advisor and freelance writer. More articles from the author can be accessed at http://businesswrite.blogspot.com/

Online medical jobs offering websites enlist all the available medical jobs. A jobseeker has to categorize and choose a job with his or her qualification and experience. Registering into the site is must for new visitors. Create your account and get a brief regular update on medical jobs. You also need to mention your name, phone number and other detail so that you can be easily connected from any recruitment team in case they decided to avail your services. To maintain confidentiality of its jobseekers, these websites do not disclose vital information publicly. Jobseekers personal details are only open for recruitment agencies or hospitals, which specialize in your area of interest.

Nursing job websites relieve shortages in staffing in many medical facilities. They ensure to place a deserving and experience medical personnel suitably. Especially for people pursing nursing career can get great advantage. These website feature lots of attractive nursing jobs both full-time and part-time. Usually, a system of proactive hunting is used to trace maximum openings. With a dedicated team of employers in hundreds, these websites find the most beneficial and interesting job vacancy for you. In order to feature best vacancies, these website have a wide access to newspapers, websites, and other publications.

Online medical jobs websites follow a comprehensive and personalized job search for every nurse with her specific experience, qualification and needs. They further offer services to secure proper certifications for a travel nurse jobs. Monitoring the entire procedure of finding a perfect travel nurse job, these websites also help in dealing with immigration, visa issues, accommodation and other important matters. Above all, their expert team of dedicated staff makes you avail some of the best opportunities for your nursing career.

Getting a good nursing job is a hassle free task. All you have to search thoroughly and register yourself with an experienced and result-orientated website. If you are pursing a dream in nursing career, visiting medical jobs websites is must. Come check out what special is waiting for you.

Myself webmaster of http://www.healthcareseeker.com dealing as Travel Nurse Agency for travel nursing jobs, travel nursing career, travel nursing employment by the certified travel nursing company.

There are some legal ways to eligible for a green card.
1) Green Card through employment in the United States
2) Green card through immediate family staying as citizens in US.
3) Green card through marriage to a US citizen.

Addition to the above options for obtaining green card, there are some special cases that allow individuals to obtain a green card.

The special cases are as follows:
1) National Interest Wavier
2) Researchers
3) Labor
4) Asylum
5) Specialized Skills

Green Card through employment in the United States:

In this case, the employer of the foreign nation must sponsor that individual. Once the employer sponsored the individual may make application for a green card. It is a much faster process for the individuals with more education or specialized job skills.

Green card through immediate family staying as citizens in US:

In this case, if a foreign individual has a family member such as parent or child that is an US citizen, then they are eligible for a green card. If a parent of a foreign minor child is an American citizen then that child is automatically and immediately eligible for a visa.

Green card through marriage to an US citizen:

Foreign person can eligible for a green card is through marriage to a United States citizen; however, the American citizen must stay in the United States. Once the person has obtained their green card they can apply for permanent residence.

There are some other special ways to apply for green card on time basis.

Detailed information on US immigration visas and Green card can be obtained from http://www.immigrationforum.com; it also provides various categories like Nonimmigrant visas, Immigrant visas, Citizenship, Canada immigration, UK immigration, Australia immigration and more for discussion.