Tricia's Musings

Random Thoughts about life in general, living in the big city of Toronto



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Working Capital for your restaurant or retail business

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I know many people who are in the restaurant business. They or their families own franchises or small restaurants. It’s a difficult business – between the hours of business, keeping good employees and creating a delicious menu that will keep clients coming back for more.

Getting business loans to finance a small to medium sized business can be a stressful process as well.

Advance Restaurant Finance is a company that specializes in short term, working capital loans. As per their name they do specialize in loans for restaurants but they also work with small to medium sized retail merchants.

If a business qualifies, the working capital that they’ll receive is a loan, and the interest that the business will pay as the loan is paid off is tax deductible.

Visit the ARF website to learn more if you are looking for working capital for your restaurant or retail business. If you like what you see you can request a call back in order to learn more and perhaps start the process of applying for financing.





Need to get motivated? Look into this motivational program

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If you’re stuck in a going no where job or find that you lack the motivation to achieve your goals you might be interested in the motivational program at Jlmandassociates.com.

The site says that the program is guaranteed to help you achieve both business and personal success. From what I’ve read it’s quite different than many of the other motivational programs that you see on the internet.

Why? Well, it seems that when you sign up for the Mastering Success program you’ll actually have a personal coach that you can talk to on the phone or by other means who will literally coach you along the way. You’ll be offered career, business and personal coaching or which ever one of those types of coaching you are most interested in.

Sign up for a free consultation now if you are interested. The jlmandassociates.com states that the consultation is risk free and your personal information is never shared.

Bad Credit? See the Remortgage Guild

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If you live in the UK and you have a poor credit rating you might want to check out remortgageguild.co.uk. This company states that remortgages are possible with bad credit. They actually specialize in finding mortgages for people with poor credit ratings such as those with County court judgments, debts, or even those who have declared bankruptcy.

You know what they say about restaurants? If they specialize in chicken get the chicken, if it’s pub – don’t order a fillet mignon, and so on … well I think the same is true with banking, loans and lending companies. Go to the one that specializes in what you need.

Contact the Remortgage Guild if you have credit problems and they’ll put you in touch with a specialist who will give you some financial advice and get you a quote on a new mortgage.

Maybe you don’t really need a new mortgage but you need a loan for something else? Well, getting that remortgage could actually free up some of your homes equity and get you some extra money that will allow you to purchase the new car that you need, or renovate your home.

Visit the Remortgage Guild today and see what they can do for you.

Nightmares over past loan and debt experiences

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Have you ever gone through a bad debt experience and even though you hopefully no longer have those debts you still get flashbacks to those stressful times?

That’s the way I feel about Chris’ past school loan debts.

Yeah, I had loans for school too that I had to pay back, but Chris’, thanks to him going to one of those private colleges that are supposed to speed up the learning process and charge an extraordinarily high fee often without producing the results they claim they will, we had a huge loan to pay off. I only wish that we had done one of those school loan consolidation programs instead of suffering through years and years of payments that we couldn’t afford and the stress that it caused.

I know if we had done some research and taken out a consolidation loan for his school debt, and mine that we were paying off at the same time I wouldn’t have these terrible “owing money” flashbacks.

Fundamental offers school loan consolidation for those who qualify. They have a secure online application process that can significantly lower your monthly payments, and might even save you a lot of money.

Oh and they don’t charge any prepayment fee’s or penalize you for making larger payments. That’s great too, because if you did some how have enough money to pay off a chunk of your loan wouldn’t it be great to do so without any kind of penalty. I know a lot of places that offer loans only allow you to pay back a certain amount of what you owe over your regular payments. Fundamental doesn’t.

I bet if we consolidated our school loans we would have paid them off faster and with a lot less stress. Instead I think I have post traumatic loan disorder?

Anytime we start to think about taking out a loan I get the hebejeebees over it. I’m certainly not a tight wad, but now that we pretty much only owe money for our mortgage I’ve come to like it that way. I’d rather be able to pay for something outright, or only owe a very small amount, than to look forward to years of payments.

Have you had bad loan or debt experiences that have stressed you out too? Or were you smarter than we were and went the school loan consolidation way?

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