Business and Finance News

An SBA business loan is a debt instrument provided by you to by a lending institution that has been guaranteed by the United States government through the Small Business Administration. Many entrepreneurs wrongly think that it is the federal government that grants the loan. This is not the case. With an SBA loan, the government essentially acts as your cosigner for the loan. In the event that you default on the business loan, the US government will provide the bank with a reimbursement for the loan. As such, banks love to make SBA loans as they present very little risk to the bank, provide small business owners with the capital that they need, and increase activity in community bank branches – all while making a nice profit for themselves.

Applying for an SBA business loan is a difficult process despite the fact that the only limitations regarding who can apply is that you must be of good moral character (ie. no criminal record) and an American citizen. You should be immediately aware that receiving approval from the SBA to receive a loan is a difficult process and can take anywhere from 45 to 180 days depending on how well you have prepared the appropriate documentation and business plan for the business loan.

The documentation required to obtain a business loan that is backed by the SBA is significantly larger than that of a conventional business loan. Additionally, there are several different SBA loan programs that are available to you depending on your borrowing needs. These loan programs include, but are not limited to:

SBA 504 Loan
SBA 7(a) Loan
Express Program Loans
Military Veteran Business Loans
Rural Business Loans
Micro Business Loans

When determining which SBA loan is right for you, you should always consult with a properly trained accountant or financial advisor that can take into account your entire business and personal financial situation.

While the primary focus of our discussions has been regarding the 7a SBA Loan, there are a number of other types of loans that are guaranteed by the Small Business Administration. These include the SBA 504 loan program, the Microloan program (which has some overlapping features with the SBA 7a loan), and the disaster assistance loan program.

The foremost guarantee program besides the 7a is the SBA 504 program, which is also known as the CDC loan (“Certified Development Companies). This highly specialized lending program is specific for providing long term and fixed rate financing to acquire large assets such as real estate or equipment. It is specifically designed for traditional businesses that operate “brick and mortar” type facilities. For instance, this type of loan would be most appropriate for a small scale manufacturer that needs a large fixed rate loan to purchase a new piece of manufacturing machinery. If this is the primary need of your financing then you may want to look at this program as an alterative to the 7a SBA loan. The maximum loan amount via the SBA 504 program is $1.5 million or $2 million if the business conducts business with the federal government or a state government.

The Microloan programs provided by the SBA provide financing for businesses that need less than $35,000. These loans are primarily used for ongoing inventory purposes, cash flow management purposes, or inventory acquisition purchases. This is also one of the small business lending programs that is available to not for profit foundations (although they can only be used for purposes the benefit the community).

Finally, there is the disaster assistance loan program. Unlike other aspects of SBA programs, this loan can be used by individuals. However, this is not a frequently used program as it is specific only to when major disasters occur.

As we have stated before, the SBA provides a tremendous amount of flexibility when seeking business financing. Despite the fact that this site is dedicated primarily to the 7a SBA loan, there may be a number of other financing options that would be well suited for you needs.

Foreclosure is always a race against time. Although a home loan modification can slow the process, you have fewer options the longer you wait. Not all lenders have the staff or experience to handle mortgage loan modifications. Even with a capable attorney, the process can drag on for months.

But you don’t have to sit and wait. There are some things you can do to speed up the process. Once your home loan modification is under way, these steps can help you get more positive results.

1. Put everything on paper. It’s not uncommon for lenders, especially smaller ones, to lose track of your application. To prevent delays, make sure all your efforts are documented and kept on file. This includes all the calls you make and receive, both from your lender and loan modification attorney. Keep receipts of all your transactions, and make copies so you don’t have to let go of the originals.

2. Do your own financial statements. Part of every home loan modification is a financial worksheet, which will be your main basis for qualification. Most lenders have their own forms, but it won’t hurt to make your own as well. If your lender insists on using their worksheet, at least you’ll have all the information ready.

3. Be as detailed as possible. Too much information is better than too little, and it limits the chances that they’ll call you for more information. A typical worksheet for a mortgage loan modification will include the following:

-Your contact information (address, home phone and work phone, fax and email)

-Information about your property, including the estimated value

-Your current income

-Any additional income, such as welfare, child support, etc.

-Your estimated total value, including other assets such as real estate, investments, savings and checking accounts, IRAs, 401(k), stocks and bonds

-Liabilities, such as existing loans, monthly bills, medical expenses, and tax liens

4. Keep all your bills. The financial worksheet will require you to dig up old bills and hold on to the ones that keep coming. This will help you keep the information as accurate as possible. You may also need to present these bills (or copies of them) along with your hardship letter, which explains why you need a mortgage loan modification. Even if they don’t ask for it, it’s best to include them anyway. That way, there’s no reason for your lender to doubt your statement. The more proof you have, the better your chances of getting that home loan modification.

Be sure to submit as much truthful and verifiable information to your loan modification attorney so they are able to compile the best case to submit you your lender.

According to the Small Business Administration, companies that can qualify for the 7a SBA loan must meet certain small business size standards. These standards vary greatly by industry, but the general rules of thumb are as follows:

Farming businesses must not have revenues exceeding $750,000
Building contractors can have a maximum revenue of $14,000,000
Retail and service businesses can have maximum revenue of $7,000,000
Heavy construction trades and industries have maximum revenues of $33,500,000.

Additionally, there are headcount tests regarding the number of people that work for your business. For wholesale trade industries, the maximum number of employees is 100 while manufacturing firms can have a maximum of 500 employees. However, these rules are not hard and steadfast. The SBA and its associated lenders understand that revenues can fluctuate as can the personnel summary of your firm. As such, it is imperative that you speak to you 7a SBA loan representative to determine whether or not your meet the standards discussed above. However, as many entrepreneurs seek to use this type of credit facility for starting a new business then the standards discussed above typically do not apply to your business. If your business becomes highly successful and requires additional capital then you may start to require traditional business loan financing rather than debt through programs like the SBA 7a Loan.

It should also be noted that based on inflation and industry trends, the Small Business Administration regularly reviews and updates its business eligibility standards based on revenues and personnel numbers of businesses across a number of different industries. If you are having trouble determining whether or not your existing business qualifies for a 7a SBA loan then you should speak directly to a SBA representative, your banker, or your accountant.

Out of all the action movies in the world I would choose Enter The Dragon to watch over and over again. Why? Because I love the movie and because I am a big fan of Bruce Lee. No one in the world can do what Bruce Lee did. I enjoyed all of his other movies he made as well, However Enter The Dragon was his best piece of work and unfortunately his last. I enjoy watching Enter The Dragon when I can on the tv I got as a result of the best cable tv deals around. I like the part in the movie when Bruce catches a cobra and puts it in the control room so that way he can scare the people in there away. Of course above all I love it when he whips out his Jeet-Kune-Do kung-fu and brings the chaos to an end. I also enjoy watching the part where he beats Ohara at a speed tournament and Ohara gets mad so he breaks beer bottles, then Bruce gives him a powerful kick and then he is out. Personally I recommend you watch Enter The Dragon along with the whole collection!

Google Nexus One for business

I think that if I had reviewed this phone before the HTC Desire then I would have come out with a different conclusion. When the Google Nexus One was released it came with a massive amount of hype and a lot of this revolved around it being a potential i-phone killer. That was a large gamble but has it payed off?

The Google Nexus One was built by HTC but is fully branded as Google’s smartphone. So how does it perform as a business mobile phone?

The Nexus one uses the Android platform, which is now widely accepted as a great platform for business mobiles with previous HTC models but it still doesn’t quite match the i-phone or for that matter most of the Blackberry Smartphones.

The Google Nexus One is a lightweight phone weighing 130 grams and has a nicely sized 3.7 inch screen at 3.7-inches.

Like the iPhone, Google have gone light on the outside of the phone. There are just two volume control buttons, a power button and a scrollwheel. There are no buttons on the right side of the phone or underneath. and on the top, there is a standard 3.5mm headphone jack.

The scrollwheel is average, it works Ok but is not as effective as some of the Blackberry models scrollwheels.I prefered just using the screen to navigate and scroll.

The phone is nice and slim and feels very slick, on the back there’s a 5MP camera and a flash.

On the front of the phone there are four buttons which give a nice little buzz to register each press, don’t misunderstand me, it’s not a big electric shock of a buzz, but a slight buzz that just signals to the user what you are doing.

There’s a back button, menu, home and search. These buttons are well calibrated and respond well to the touch; I didn’t have any issues with them.

The Nexus One is only available via their dedicated phone portal, which suggests that they were planning world domination with this phone and wanted to keep all of the spoils to themselves; oh dear, it hasn’t happened….

How about a video break?A major strength of the Nexus One for business users is the Qualcomm QSD 8250 1GHz processor, which is damn fast for games, apps, media and just about any task.

There were a few times when the phone hung, but that is expected with the new Android OS.

The Nexus One comes in a white box that looks remarkably like the i-phone’s box. It comes with a USB cable, earbuds, charger, a slim manual and the phone itself. The shape and size is definitely similar to the iPhone.

The Nexus One was designed as a touchscreen phone and it does work fairly well, the only gripe is that it sometimes pauses mid app, or apps suddenly do not work.

You can easily navigate through photos in the gallery app, and it has the familiar long press and click to start apps.The screen is 800×480 pixels and is clear and bright.

Google Nexus One

The phone does operate very quickly so great for internet use but a shame that there is not an i-phone style zoom function for easy browsing.

One thing that many users may like about the Google Nexus One is that there is no dedicated call button, this is obviously because calling is just one function of a multi-media smartphone but I do think that a call button is a useful function for business mobile phone users as it is by far the most commonly used function when you are working.

Making a call is a four click process: press the power button, slide to unlock, start the Phone app, and dial the number or select a contact.

Managing calls was really easy. There are obvious buttons for putting a call on speakerphone, muting and even adding another caller. The phone earphone and mic both give a clear sound and also pick up your users voice well.

The Google Nexus One has no restrictions about which apps come pre-installed as it is a Google phone, it comes with the Google Voice app.It shows you which voicemails you have available, and you can use Google Voice to make your phone calls. It is not free to make calls as with Skype but it gives you an extra phone number.

The Nexus one is simple for email use; you are prompted to add an email address when you first turn the phone on and/or you can connect it to a Gmail account.

The Gmail mobile client is nice and easy to use and fortunately refreshes when new messages arrive rather than needing a manual command to refresh. You can also configure the email app for POP mail messages.

You can add Facebook contacts to the Nexus One, and was good for use with Twitter.

Another incredibly strong pillar of this business mobile phone is the browser, it runs incredibly fast. Only drawback is that Flash is not supported; we tested several feature-rich sites, such as Facebook.com and the sites loaded very quickly (as long as Flash was not used, which is not supported on the Nexus One).

There have been some major improvements to the Android platform’s camera functionality and the Nexus One has obviously been made with these improvements taken into consideration with its 5MP camera. For starters, the photos looked very clear and not at all pixelated as with the i-phone but i guess that this is expected as the i-phone camera is just 2MP.

You can set white balance either as automated or by lighting conditions – such as sunlight or indoors which was useful for a day trip when we made good use of the camera.

There is a zoom, and a flash that can be set to automatic. There are a few tacky gimmicks to help you glam up your images but this will be more appealing to teenagers rather than the typical business mobile phone user. You can upload images to services like Facebook or Picasa, or send by email. You can also upload your videos to YouTube very easily.

The Google Android OS is not up to the standard of the i-phone of the HTC Desire when it comes to media use.

It wasn’t obviously clear how to manage your manage music and movies and then sync over to the device, maybe not too much of a problem for most business users.

You can buy songs and other MP3’s from the Amazon MP3 service to buy tracks – the Nexus One handles most of the popular formats including AAC, MP3, WAV, H.264 and MPEG-4.

Like the majority of Android phones, the Nexus One supports YouTube videos and you can film your own video clips in 720×480 resolution, at a minimum of 20fps which is OK for personal use but not professional video standard.

The Google Nexus One has 4GB of storage and you can add a microSD up to 32GB of space if you need it.

Google Nexus One business

As a business mobile phone the Google Nexus One is fine, but doesn’t come close to the Blackberry Smartphones or indeed the i-phone.But I guess that it was not built as a dedicated business mobile phone like the Blackberry models.

The phone has a great design and is generally easy to use, it has great speed when browsing which is a major plus but the unreliability of some apps was annoying.

Overall good, but has now been outclassed on Android by the HTC Desire, and never lived up to the i-phone.

Sony Ericsson Vivaz business mobile

Sony Ericsson have now introduced the new Sony Vivaz mobile phone as a successor to their flagship Satio mobile phone.

Here we review it to see how it compares and also mainly to see if it is a realistic and quality business mobile phone.

The main selling point of the phone is the camera and the video camera, the camera is 8.1 mega pixels and the video camera can record 720p HD video and also has 8 gigs of memory card storage.

This touchscreen business mobile phone has been fairly well designed and sits nicely in the palm, but it does look plastic and does not have the same quality look or feel as a lot of the current smartphones. It has a great range of social networking and multi-media features, the Sony Ericsson Vivaz is set to give the likes of the Nokia X6 and the LG InTouch Max GW620 a run for their money.

However it is very different to the popular business mobile phones such as the Blackberry’s, the i-phone and the HTC Desire – it probably suits the younger, more media savvy business person best.

Here is a short video review of the Sony Ericcson Vivaz

It’s a lightweight handset and pretty slick, so slick in fact that  I found it all too easy to drop.

The Sony Vivaz is available in 4 different colour options, the best selling are the silver and ruby options.

The touch screen is fairly good, not as sensitive and accurate as the i-phone or the HTC Desire but it is not far off.

On the front of the phone there are the call and end buttons as well as the menu button, with volume/zoom and two camera buttons on the right side panel, as well as the power/lock on the top.

The latter can be a bit fiddly to hit when holding the Vivaz in just one hand.

Consistent with the focus on the younger business user there is a 3.5mm headphone jack to allow you to plug in your own headphones – a great plus for heavy media users.

The Sony Ericsson Vivaz comes with a charger plug, separate USB to microUSB cable to connect to the plug or to your PC, a pair of Sony Ericsson headphones and a standalone stylus – not so useful I felt.

The headphones that come with the phone have a built in microphone so can double as a hands free kit for the car.

The Symbian S60/S1 operating system is commonly found on mobile phones like the Nokia 5800, N97 and X6 but the phone is still very typical of a Sony Ericsson.

The menus are clear and easy to navigate but the sub menu’s seem fairly cramped. You can customise the home screen with the functions that you use the most which reduces the amount of navigation that you have to do.

Sony Ericsson Vivaz

The default set up offers a row of five widget tabs across the top of the screen which can be customised as you wish – i really liked this function and felt that it was useful for all users not just business mobile phone users.

Although it’s nice to have the customisation options they are not as varied and wide ranging as the options on other business mobile phones such as the HTC Tattoo and LG InTouch Max GW620, where a wider of widgets are on offer.

To lock/unlock the keys you need to hit the lock/unlock button and then select yes/no on screen – personally I liked this as i hate it when I just unlock the phone by accident so appreciate the two button process but I know that this will annoy other users.

The only difficulty is that it is quite easy to press the lock/unlock button too hard and accidentally switch the phone off. Also annoying is the length of time taken for the Sony Ericsson Vivaz to close down, and starting up again isn’t exactly lightning fast.

It was also far too easy to forget to choose any option from the menu and just leave the keys and screen active in your pocket or bag, from which all keys and screen can be accidentally pressed due to the resistive screen.

The Sony vivaz auto-rotate function takes a second or two too long to work.

As well as this the handset’s multi-tasking feature is a little tricky to use as things do not close down easily but I did find it easy to switch between functions.

Simply using the menu or end buttons keeps them open in the background, so you end up with several unnecessary things running, slowing the handset right down and taking away all the advantages of the Vivaz’s fast processor.

Like the Blackberry Apps World it is easy to download new apps for the home screen with the PlayNow app store but there are not as many good functional apps as the i-phone or Blackberry have and they are not as well focused for the business user.

The apps provided include; music, game and wallpaper downloads as well as other apps, but they’re generally not cheap and there are very few free options, I found this just disappointing compared to the other mobile phones on the market.

It’s very easy to get to the dial pad on the home screen and it is also easy to access the contacts function as you can access it through the call button and through the menu.

The quality of the sound on calls with the Sony Ericsson Vivaz is pretty good; both the caller and the recipient’s voices were clear and comfortable to hear, although there was a little static on the Vivaz’s end.

The individual contact entries are very good for business users as you can enter multiple numbers and email addresses as well as company information, job title and photos to help you include all necessary info which can easily be forarded onto your colleagues.

Favourite contacts can be saved to one of the five home screen tabs for quick and easy access. but you can’t synch your phone book with your social networking profiles.

There are a good range of messaging options including SMS text messaging, email options and an SMS conversations view – which basically shows your texts in another format and it also has a range of granular message settings.

It was very easy to set up an email account on the Sony ericcson Vivaz – I just registered the email address, entered in the username and password and the phone set up the rest.

It was also pretty easy to set up exchange email, It was quick to synch with the server but we did have to input the settings manually.

A significant problem for the business mobile phone user is that the phone only synch’s email messages each time the inbox is actually opened which is not great – it would be more more effective if push mail was configured by default as business mobile phone users really need live mail.

Typing is OK as I briefly mentioned earlier, but the touchscreen is not as good as some of the other smartphones on the market, also there is no autocorrect function, which is a real annoyance for minor mistakes. There is a dodgy stylus but none of us really have time for those anymore and have higher expectations since the i-phone’s release.

The Sony Ericsson Vivaz only connects to the internet when you open an application requiring the internet, not a problem but not as convenient as the leaders of the business mobile phone market.

It does work out well if you’re on a budget in terms of minutes but frustrating if you have unlimited web access as part of your contract.

It also kept asking me what kind of internet connection I wanted to use every time i used an application that was reliant on internet access, this wasted time and was frustrating for heavy mobile phone users.

Web browsing was frustratingly slow, the larger, more media heavy web pages took up to a minute to download. Connecting to the internet through the Wi-Fi connection was more consistent but even slower.

There is a good zoom function for web browsing that allows you to focus in on parts of web pages that you are interested in but there was a lot of scrolling back and forth as with most mobiles with a screen of this size.

Another issue is that the Sony Ericsson Vivaz isn’t Flash compatible, so Flash-based sites will render only as plain text.

There are good web connections and apps for Youtube and BBC as well as some social networking apps which generally worked well, but again the constant need to log in quickly wore me down when testing the web abilities of the Sony Vivaz.

Because of this I really cannot recommend this phone for business mobile phone users as almost all will need good email and web access.

Moving on….The camera is actually a high quality one with 8.1MP as well as a good video camera and compares well to a mid range digital camera.

There are two separate buttons to open the video and simple camera functions, as well as this there is an on screen function to switch between the two.

There’s no manual focus but you can select between specialist options for specific types of shots; macro for close-ups, infinite mode for landscape shots and portrait mode and as well as these options there is an auto focus option.

The camera handled colours well, even in incandescent light and was one of the best mobile phones that i have tested for it’s camera abilities so far.

Overall, this is not a phone that i can recommend for business mobile phone users at this price point. If you do have a specific need for a relatively good camera and video camera as well as simple email and web options then it may be fit for your purpose but considering what else is currently on the market i cannot honestly push this one.

It’s going to be a big year for you! You’ve decided it’s time to step up and into your own small home based business – but you want to make sure you get it right so you don’t suffer financially, right? It’s common knowledge that many small business start-ups fail quite quickly, and home based businesses are no exception. There are many reasons why home based businesses fail. Here are just two things that can contribute to the failure of a home based business:

Inability to attract clients – particularly corporate ones – due to a perception of the business as a small home based operation;
Poor customer service including a failure to respond to prospective clients in a timely and professional manner, leading to a loss of business;

If you’ve done your market research and you’re confident you have sufficient funds to survive the early growth stages of your business you’re well on the way to success. The next step is to ensure that your business appears professional and that you’re able to attract good clients and communicate with them in a professional manner. A NYC virtual office from VH International Business Solutions can help you with that – and from as little as $25 a month!

With a NYC virtual office you can:

Have a physical NYC office address for your business. The address can be used on your business cards and clients can send mail to you at the address. Any walk in clients will be able to leave a message for you at our staffed reception area.
Have a New York telephone number. Calls to your NYC virtual office number can be forwarded to you or to a message bank. Alternatively, you can arrange to have a live operator answer all your calls during business hours and take messages personally.
Arrange meetings or presentations at your New York location – we have meeting rooms and offices available for short term hire at inexpensive rates. That means that when you need to be “at the office” physically, you can be.

You might be years away from being able to afford office rental in New York – and perhaps you don’t aspire to that at all – but a NYC virtual office from VH International Business Solutions can give you many of the benefits of a great office address without the expense, or the need to travel to the office!

Unless you have been living on a desert Island you will know that many people are becoming very rich through making money via the internet. If you are also trying to grab your stake in this huge business I hope this article can provide a decent introduction for you.

Perhaps the most popular but not necessarily the best way, in my opinion, is to join some sort of MLM scheme. There are SO many to choose from. This business is huge and feeds mainly on the desperation of people who want or need to make money fast. These business tend to have very similar websites that have pictures of cash and flashy cars and stories of people who have made their fortunes using their system.

They are all basically the same. You pay a fee to join (either one time fee or a monthly fee) and you convince others to do the same and they in turn do the same. It’s appealing to many people because theoretically you only need to introduce a few people and get them to do the same and so on and the effect snowballs. So theoretically a little bit of work and getting a few people on board will snowball into $1000s or more and you can retire as the snowball grows by itself automatically.

The reality is this is simply theory. It very rarely actually happens that you invite a few people and watch the snowball grow. I have tried a few of these MLM’s for fun really just to see what this market is really all about and they all pretty much turn out to be the same. A company is getting ready to launch so they contact all the people they know and hype it up as the answer to their online income dreams. People get really excited and chat on Skype all day long about how their marketing plan is coming along. Then the company launches and things are going great this guy has a new recruit that guy has a new recruit, maybe even you have 1 or 2 in the first month. It all seems to be going according to plan. But then a month or maybe a few months in the momentum begins to slow. Not so many new people are coming in and the recent recruits get impatient and upset. They then start to get angry with whomever recruited them and start to accuse those recruiters as scammers because they promised them financial freedom and it hasn’t happened yet. So then they go around every forum and start slandering the program saying it’s a scam etc but then somehow those same people find another new start up program and they foolishly believe that this next one will be the answer to their prayers.

It’s almost religious because a lot of these MLM’s have a “leader” and the people follow him almost like a cult. He was able to recruit maybe 100 or more people within a short period of time and he is normally very charismatic (otherwise how could he recruit so many so quickly). Whenever anyone says something bad about him the followers are quick to defend his reputation because they have somewhat fallen in love with him and believe that he is their “savior”.

I’m not saying that everyone is like this but believe me I have seen this phenomenon at least twice in my travels.

In saying all of that you can certainly make money with these MLM’s, and you can also certainly become rich as many have. But you are basically doing it via a legalized pyramid scheme. Many people think these MLM’s are illegal or dodgy but they aren’t in the slightest. All you have to do is give a product for the money the members pay and you are totally legal. So what you find is many MLM’s give webhosting which is of course a staple product for any internet user. Reality is perhaps 90% of the members don’t even use the webhosting. They are only in it for the business opportunity.

The fact is this market is huge. It isn’t about to die anytime soon and the market is growing. More and more people come to the internet in search of an online income so this is certainly one way to make money online but in reality it isn’t stable and your business is being built on sand as it were.

Another online money making business idea is to become a ghost writer. If English is your native tongue there are many online marketers that need people to write articles for them about anything. They normally tell you the topic they want you to write about and how many words etc. Depending on how fast you can type and think you could make anywhere from $10-$30 per hour doing this work. If you have an above average knowledge of a topic then you are able to give superior quality content on that topic you could make more. The problem with this business is there are already many people doing this and it could be hard to get your foot in the door. You need to build a reputation before you get decent work so your first 100 jobs will be a real struggle. However if you do a good job you will get a lot of repeat business and eventually be able to work completely form home using only your computer and your writing skills.

The final online income method I will talk about here is called Niche Marketing or Affiliate Marketing. Essentially you create websites focused around a certain theme. If the theme is computer mice then you have a website all about that topic and you feature all kinds of mice on that site which link to sites like Amazon where you will get a commission if someone actually buys a mouse. You can also put Google AdSense on the site and earn money simply from people clicking on ads. This has been my preferred method and it is the one method I will stick to for now as it’s working well and doesn’t require me to recruit others.  Some of my niche websites include Wedges Sandals & Mother of the Groom Dresses

My success or failure purely depends upon me and no one else. When I did the MLM’s they just kept failing because people would drop out and I felt like I was constantly bailing water out of a sinking boat. With the website business it’s the opposite. The costs of running this business aren’t very high. Just need webhosting which is about $5/month and $10/year for each domain name you buy. Currently my income is growing by about $75 per month so its working well and the growth is stable. However doing this business takes a lot of learning. During my first 6 months I earned about $100. But after that it started to be more consistent and started to grow at a decent rate. There are many courses you can buy that will show you the basic ropes if you want a head start. Otherwise just search the net and learn as much as you can for free and give it a go. About 80-90% of websites fail so be sure to try as many websites as possible before you give up. Most people have 50-100 sites before they have a few successful ones.

VH International Business Solutions Inc (<a rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.ManhattanVirtualOffice.com”>www.ManhattanVirtualOffice.com</a>), proud of its success thanks Employees, Clients, Associates and Friends for their support on its 19th anniversary milestone.

VH International Business Solutions Inc, New York’s preferred executive office and voice mail provider, is celebrating its nineteenth anniversary in 2009.  With over 17 thousand clients since its launch nineteen years ago, VH International Business Solutions, Inc has become New York City’s destination for business professionals seeking a unique executive office organization.

“What started out 19 years ago as a basic virtual office support service has steadily grown into a business far exceeding anyone’s expectations,” said James Spence, VH International Business Solution’s vice president of operations.  “We are all very proud of this accomplishment and grateful to our clients and employees who helped get us here.”

VH International Business Solutions, Inc initially offered its services to the local market.  With the proliferation of consumer Internet access, the Company was the first in New York City to offer NYC virtual office services interactively via the World Wide Web. With this success, VH International Business Solutions established an instant business-to-business worldwide access to the New York market making available for the first time New York City virtual office services for organizations of all sizes, from the independent entrepreneur to enterprise-level Fortune 500 companies.

“Today VH International Business Solutions offers a comprehensive suite of executive office and business support services that can be tailor-made and bring about a meaningful difference for any company of any size in the world,” said Mr. Spence. “We pride ourselves on service that is reliable, efficient and competitively priced — all backed by our celebrated no-nonsense world class customer service. Our mission is to ensure our clients get the service they deserve and are entitled to.”

Added Mr. Spence, “During our 19-year life span, our focus on customer service has never wavered. We understand our client’s specific needs, there is no such thing as one solution for all. Because we offer client support staffed by seasoned professionals, whether you are an independent professional or a business, we have been able to deliver timely solutions again and again with a very satisfied customer rating.”

Continued Mr. Spence, “By being in touch with our client base, we have also been able to anticipate their needs and grow with their business. That’s one of the major reasons why we have been so successful. We very much look forward to the next 19 years.”

For additional information on VH International Business Solutions, visit <a rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.ManhattanVirtualOffice.com”>www.ManhattanVirtualOffice.com</a>

ABOUT VH International Business Solutions, Inc
Conceived in 1987 and Incorporated in 1990, VH International Business Solutions is today an international provider of New York executive and staffed virtual office services. In the contiguous United States, we offer voice mail points of presence in ninety percent of the Country. Our suite of executive and office support services are not only comprehensive but can also be custom fit for any enterprise-level need. Our services include, but are not limited to New York based virtual and staffed office services, business meeting facilities, nationwide voice mail services, live answering services, New York State incorporation filing services and much more. In addition, VH International Business Solutions is focused on providing its clients with superior support service, which is backed by a seasoned group of professionals who understands the needs and issues of today’s business and employees. At VH International Business Solutions, you to get the attention you deserve. For more information, please visit <a rel=”nofollow” onclick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”http://www.ManhattanVirtualOffice.com”>www.ManhattanVirtualOffice.com</a>