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I want to ladder 100,000 in Cd’s. I was wondering if someone would know what are the safest and most stable banks considering the current financial crisis. I currently have Chase and was thinking of BofA or online banks such as hsbc direct or ing. Thanks.

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What kind I expect in training? What are the best tips to be sucessful and move up? Is there an online manual or somewhere I can read information just to be better prepared? Any input will help, thank you.

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I have a debt after school of about 60,000. And I need a fixed interest rate consolidation loan so that I can afford to pay the payments each month. Anyone have any good advise? Any great companies to consolidate through?

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1-How about its just like any other business…such as buying a franchise – except when you ask to see their income from mlm (or even their upline who supposedly are successful) its suddenly personal income and none of your business. As if you would ever buy a franchise without looking at the working numbers of the same franchise in other locations.

2-How about “its a ground floor opportunity” or “the time will never be the same to get involved” yet on the other hand the entire compensation plan is for people to be continually signing up forever, with it being geometric so 2, 3, 5 years from now, there will need to be exponentially more people needed to be coming in to continue the same oppotunity…but somehow the opportunity is better now than it will be in the future!

3-How about MLM has a system that cuts out the middle man and advertising costs, yet now several layers of people get paid and MLM products are always more expensive than market.

Tons more. Let’s hear ‘em…
haha…i don’t know if its “hypocritical” per se…but this first answer sure is a testament to the mind set of the MLMer. Every second they get, they are always pitching their MLM bullsh*t. LOL. I post a question about hypocrites in MLM and the first post in someone pitching me their MLM. Man, no wonder MLM has such a bad rep…let it go! Priceless.
Mexico4me: Thanks for your amusing response. Why would I have interested in a business that is set up to fail. Anyone with common sense knows that a geometrically growing network, even 2×2, eventually gets so large its unsustainable. You call that residual income…gimme a break.

Obvious I subscribe to a 45 year plan? Nice work, but your ignorance is showing. Would it kill you to even look at my profile first before making assumption. I am a real estate investor by trade and live off income from apartment buildings. You talk of residual income as though an mlm business actually provides such…but you are dependent on the hope that your downline continues to grow at unrealistic rates, where I, as a real estate investor, am merely dependent on people needing a placer to live.

Rants about MLM? Get a clue…i posted a question in regard to the amusing statements you always hear associated with MLM and you get overly defensive….pahleeeeze!

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We want a scalable solution that is affordable but robust enough to handle an sharp increase in demand.

1) Performance – We want our hosting to be able to scale quickly to handle an increase in traffic.
2) Email – We will be sending our members critical event notification emails that we don’t want listed as SPAM. Anything we can do in the hosting environment to improve this would be great.
3) Security – We don’t have full-time staff, so it would be great if more of the IT maintenance / updates / monitoring that can be done by the hosting provider.
4) Cost – we have a limited budget, and we can’t get into a long-term contract.

Technical details: Windows hosting w/ SQL required.

What are the best solutions out there?

Many thanks

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I’m a single Dad that is now unemployed. I spent the past 15 years working my way up the corporate ladder and now that ladder has been kicked out from under me.

I want to take this opportunity to get a better education but I have no idea where to start. I need to take as many classes as possible online and need all the help possible to pay for it.

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I am currently employed in Corporate Finance and I would want a doctorate degree so that I can teach when I retire. I also want to use the doctorate to move up the corporate ladder. How much should I spend for an affordable online doctorate (DBA or PhD)?
Thanks for the tip on the scam. I guess I should veer away from these online degrees. Can I use portfolio management as my dissertation topic?

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I have 7000 dollors of random credit card and medicall bills. My credit cards are already closed. I get calls from collection agencies threatning me. I am too woried. I am just overwhelmed. I don’t wanna eat, I don’t wanna slepp, I cannot focus on anything. I was out of job for long time and I was living alone that’s why I have lot of debt. Now I wanna pay them all. But don’t know where to start. All of my accounts are already badly closed.plz help me find some people who could pay everything and I could pay them back in simple monthly payment.
I am 21 yrs old and I really need help. I don’t wanna live with bad credit. I go to school and I make like 300 a week. Plz plz I need some advice from experts.

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I am trying to setup and configure Wireless High Speed Internet Access for Motel. I was told there many ways to do this.
First way-Windows Server Computer? I only have general knowledge in Windows Server 2003. If it is the best way How I can setup and configure with Windows Server 2003?
Second way is setup and configure with encryption key on everyday Access Points. But i am still concern about security with this method. Business network and customer (internet access)

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If you like the idea of being self employed yet entering the marketplace with an already established business then a franchise might be a good opportunity for you. However, there is a lot to learn about franchises before taking a leap into this entrepreneurial world. Your previous business experience, amount of investment, and personal preferences will play a huge role in whether or not you are suited for a franchise. Plus, you will need to have a franchise idea to help you get started.

All franchises have the possibility of being lucrative and they all have the possibility of failing. Most of the time the making or breaking of a franchise is the franchise owner and his ability to overcome problems that present themselves not to mention staying dedicated to the franchise at all times. There are three basic types of franchises, including wholesale distribution, products, and services. The type of franchise you should pick is not the one that has the supposed possibility of making you the most money because this simply won’t work. The most lucrative franchise for anyone is the one they find enjoyable and don’t mind dedicating all their free time to making a success.

Before choosing the type of franchise you want to open you will need to consider your business experience, the investment you can make, and what you would enjoy doing.

Investment
When it comes to franchising you will be expected to pay a one time franchise fee simply to have the rights to open that franchise. This one time non-refundable fee ranges depending on the franchise you are interested in. There are also other fees associated with franchises like startup expenses, licensing, insurance, inventory, royalties, and marketing fees. Different franchises have different fees so it is important to consider all the fees associated with each franchise you are interested in.

Once you calculate the initial investment for the franchises you are interested in then you will be able to determine which one best fits your financial situation. If you don’t have the capital for opening a particular franchise then you should find one more suited to your financial situation.

For example, if you want to open a Bruegger’s Bagel Bakery franchise then you need a net worth of at least $200,000 with liquidity of $100,000. The estimated cost of opening your franchise is from $230,000 – $489,000 plus the additional cost of real estate. As you can see this franchise idea requires a significant investment, which should only be made by someone who has the money and commitment to this type of franchise.

A more affordable franchise is from Dollar Store Services. With only $48,900 you could have the turnkey franchise up and ready to go. Only $15,000 of liquid capital is required for this franchise and estimated capital investment is from $48,900 – $600,000.

The coffee business has been booming and Starbucks is a perfect example. However, Starbucks are really expensive franchises to get into. So, if you have a coffee franchise idea in mind and don’t have much to invest consider the Folgers Coffee Heaven Franchise. The minimum investment required is $9,999, which is one of the lowest franchise fees out there.

Business Experience
Many individuals have a franchise idea, the necessary capital, and run with it without ever considering their business experience and whether or not they are suited to making their franchise work. If you want a lucrative franchise you need to be able to make the business work. And, experience in that particular business will work wonders.

For example, if you have worked at a fast food restaurant for 15 years and know all the ins and outs of the business then opening a fast food franchise of your own makes the most sense. You have the business experience and the knowledge in that business to make it work. On the other hand, if you have been a banker for 15 years and decide to open a fast food franchise you will not have the same level of business experience to make it as successful as possible.

Of course, you can go through training and the like, but if you don’t know your franchise idea’s business inside and out you won’t get off to the best start.

You may have zero fast food experience, but have always dreamed of opening a McDonalds. If you choose to do so you will need to team up with a manager who is very knowledgeable and experienced in the fast food business to help you make your new franchise successful.

Not all franchises help franchisees significantly once they get up and going. In fact, if you are looking for your franchise to hold your hand because you don’t know the business then you will probably fall flat on your face. The importance of having some basic business experience in the franchise you are dreaming of cannot be stressed enough.

So, What Franchise Idea is Best for You?
Now that you have evaluated your liquidity, total investment, and personal business experience you are that much closer to finding the right franchise idea. Remember, however, that while having the financing and experience down there is still one very important element. What’s left you might be wondering? The answer is personal interest. If you are not personally interested in selling hamburgers and making the general public want to eat more hamburgers then you are going to have a tough time making your hamburger franchise a success. So, when considering franchise ideas keep these three key points in mind, investment, experience, and personal interest, to make sure you find the best franchise for you.

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