…Scattered Brain

It happens!  Small business owners can and do experience cash flow constraints that prevent going ahead with the planned business expansion. Or, you are just starting a new business and clueless where to get working capital, or don’t know how to go about getting it.

At the back of your mind, you know the solution is easy enough:  get a Business Loans. But you’ve probably heard through the grape vine how overwhelming the process of getting financing can be - especially the unsecured kind. You’re stumped where where to start, which bank or financing houses to approach. Deterred by what appears an overload of requirements, frustration sinks in!

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Xoom have some exciting news for us who are using their services. They recently upgraded their site with new features to make it easier and faster to send money to our loveones.

Here are a few of the changes:

• New Page Order - On their new site, you’ll first select a disbursement method, then enter recipient information, and finally payment information. Using this order, you’ll be able to see an overview of the service before providing recipient information.

• Bank Account Recall - Xoom will now remember your recipient’s bank account information, so you won’t have to re-enter it each time you send money.

• Bank Account Number Validation  - To improve our bank deposit service reliability, the length and format of recipient bank account numbers are checked more thoroughly.

• Home Delivery Changes - We have updated the list of provinces where we offer home delivery. You will see the new list of provinces on the Recipient page.

• Improved Look and Feel - We’ve also improved the look and feel of  the site and added more information along the way such as exchange rate and payout amounts.

Xoom’s innovations to the traditional money transfer industry speak for themselves. Some of the many selling points include:

• Low fees – Xoom is up to 80% cheaper than Western Union and MoneyGram’s online services

• Convenience – Senders can now transfer money anywhere and anytime they are online

• Reliability – Xoom offers our customers’ a 100% satisfaction guarantee

• Flexibility – Unlike with traditional money transfer companies, Xoom offers direct deposit to a bank account, cash pick up, secure debit cards, or home delivery.

Click here to send money to the Philippines with Xoom. ONLINE & CONVENIENT – LOW FEES – GUARANTEED. Send now.

Is a “Living Trust” important? Necessary? Plain and simple, the answer is YES!

Let me cite, though it may strike you as crude, the tragic story of a friend and his family that should serve as eye-opener to the necessity of creating a Living Trust:

“My friend was in his mid-50s, with a wife and 3 children (ages l7, 22 and 25) when a vehicular smash-up snuffed his life prematurely. That was the first tragedy! The second tragedy was that he left no “will”. The guy was by no means impoverished. In fact he left behind substantial assets running into millions of dollars. Which oddly enough started the family intramural. The children, including the mother, quarreled among themselves over the estate: the prodigal son claiming the expensive BMW - the mother says its hers to keep; the oldest son wanted to sell the family house because he doesn’t want to live there - over the protest of his mom; the youngest who is often seen hanging out with a wild bunch, insists that her share in the inheritance be given to her at once and not managed by a trustee - naturally the mother said No”.

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