Online Business Broker

Online Business Broker – Take The Stress Out of Selling Your Business

You’ve spent several months, perhaps years, putting everything you have into building a thriving, high-demand online business and now you have decided to sell your baby.

Thousands of businesses change hands everyday, oddly enough the channels you can use to get maximum price and exposure for your online business are extremely limited.

You have a few options:

1. Ebay. It’s perhaps the biggest venue for listing and finding new businesses forsale, but you have to be concerned over the quality of sites listed on eBay. For every quality site listed there are at least 100 crappy, low-priced, cookie-cutter sites that can put the wrong impression in the minds of your prospects.

2. Classified pay-per-listing sites. The leading online business listing site is run by experienced professional Nelson Bates. This is a super service for sites under $50,000 with proven results and proven demand. A great technique for lower-priced sites, but perhaps not the right option for the site you want to get maximum exposure and price for.

3. Experienced and Focused Business Broker. You’ve invested heavily in your online business. A professional can help you through the sometimes complex tasks of placing a price on your business, getting it in front of the “right” buyers, helping to separate the tire kickers from serious buyers and take your deal to an optimal close.

Online business brokers can…

1. Get more money for your site 2. Get your site exposed to buyers with money 3. Reduce your stress by only putting you in touch with serious buyers 4. Handling the paperwork and forms associated with securely selling your high-value online business 5. Handling the uncomfortable “selling” role for you – you just decide which deal to accept 6. Let you move on to other things, confident that your online business is being represented by the best 7. Help you through an emotional process – they will be your rock through the entire process 8. Give you the benefit of experience closing many deals, something most sellers do not have 9. Open up new markets and opportunities you may not have even thought of yet 10 Help you wade through legal, tax and regulatory issues that can be quite intimidating.

What To Look For In An Online Business Broker

Finding a great business broker can make a massive difference to the success of selling your online business, getting the value you deserve.

Here are 4 characteristics to watch out for:

1. Experience with selling businesses. This one tops the list. Skillful business brokers have spent years mastering the art of negotiation and undersatnding the market. If you are selling an online business, then it is even more important that you find a specialized online business broker, someone who understands getting maximum price for internet-based businesses.

2. Proven Reputation. You want someone who has a rock-solid reputation with years of experience helping sell businesses. The ideal online business broker will have sold hundreds of online businesses already and can point out some specific examples.

3. Great Communicator. Selling your business can be a lengthy and detailed process, in order to get the most out of your online business broker, they need to be a great communicator – it’s absolutely necessary.

4. Must Ensure Your Confidentiality. You can’t afford to have your customers, partners and competitors know that you are about to sell your business. Look for a broker that guarantees confidentiality using appropriate protection forms every step of the way.

5. Specialize. Focus on a business broker that understands your type of business. Just as you wouldn’t go to foot specialist about your stomach problem, you want to make sure you find a broker that specializes in online business.

Finally, you can take the stress out of selling your online business by using an experienced, professional online business broker. Don’t leave the sale of your business to chance, consider consulting your very own online business broker today.

What is Term Life Insurance?

There are two different types of life insurance, term life insurance and permanent life insurance. Term life insurance is the easier of the two plans. This plan supplies you with death protection for a pre-determined amount of time, anywhere from one to 30 years. If you happen to die while paying on this type of policy your beneficiary will be paid the amount of money you specified when purchasing the policy. If at the end of the term you are still living your death protection coverage will cease unless of course you renew the policy. You can purchase this policy on a minimum budget and it is particularly perfect for providing coverage while your children are still in the home or while paying off a mortgage or other large loans.

This plan is merely a ��•quick fix.” It is similar to leasing a vehicle. You pay a lower cost for the privilege of driving the car knowing you will return it after a short period of time. However, just like when leasing a vehicle there is an option to buy. If you are purchasing term life insurance because you need protection now but can’t afford the higher payments of permanent protection in most cases you can switch your plan over to permanent protection when your situation changes (be sure to verify this before purchasing any policy). You can also look at term life insurance as an efficient means of protecting your family while using your remaining finances for savings or other investments.

Although this type of coverage is less expensive than permanent life insurance your premiums will increase at renewal periods as you grow older. Normally at renewal periods you will also be required to obtain a physical in order to qualify for the lowest rates.

There are four different types of term life insurance policies one of which is renewable term insurance. This policy will delete your need to submit to a physical when renewing your policy. The company agrees to renew your policy even if your health has declined however, be prepared to pay higher premiums with each renewal when purchasing this plan.

Convertible term insurance will allow you to switch from term to permanent life insurance without succumbing to a health exam first. Of course this convenience will more often than not come with the expense of higher premiums. On the bright side once you convert to permanent your premiums will not increase as with the renewal of the term plan.

Level term insurance presents a permanent premium for a pre-determined number of years, usually 10 or 20, and the death benefit remains the same. With this policy you will lock in a particular price for the duration of the policy. The down side to this plan is that the rate will rise significantly if you decide to renew with subsequent level policies.

The remaining plan is the decreasing term insurance policy. Throughout the term of this policy the death benefit will decrease. You may start out with $250,000 worth of coverage however for the first 10 years each year your benefit will be reduced by $10,000. The premiums on this policy will also vary over the term of the policy, it is for these reasons that this policy is not highly recommended nor sold very often.

About the author: Timothy Gorman is a successful Webmaster and publisher of He provides more insurance information and offers free money saving auto, home, health and life insurance quotes that you can research in your pajamas on his website

Building Business Credit

Let’s imagine that you wanted to start a business—you have a great business idea, and now all that you need is business credit so that you’ll be able to borrow money against your business without having to dive into your personal assets or personal credit. This means less risk for you, the owner. Some credit reporting agencies sell a business FICO score based on both the risk of the business and the personal credit of the owner. In some instances, the owner’s personal credit is linked to the business credit, but it’s best to keep them separate if you can. Building business credit is completely different from building personal credit. In addition, you don’t have the same credit protection laws with business credit that you do with personal credit.

There are certain keys that you can follow to help ensure your business credit gets off to a great start. Follow along as we discuss them below.

First, set up the proper business structure and take basic steps to ensure your business appears stable to the business credit bureaus. That means getting the proper occupational licenses, corporate structure established and a business credit profile. A business credit profile helps you to build business credit without using your personal credit. Benefits in having a business credit profile are numerous. For one, you will have more cash for the business, convenience in purchasing, protection of your personal assets, limiting of personal liability from the business, and the ability to prepare your business for future lending needs.

Secondly, you need to borrow or buy products and services from companies that will report your credit history to the major business credit reporting agencies such as Dunn and Bradstreet and Experian. Unlike personal credit ratings or FICO scores; income or better yet income potential, plays a huge roll in business credit scores. The top FICO scores are reserved for the large stable businesses. But don’t be discouraged, with a little time, you business FICO will skyrocket!

Next, in order to enter the business credit market, you’ll need to do a credit assessment to determine if you comply with the lender and credit bureau’s requirements. Then look for businesses that issue credit without the need for established business or personal credit checks or guarantees. Once you have transacted business with vendors on credit, you can use those references to build your credit profiles with the credit reporting agencies.

In many states, there are non-profit organizations and/or government organizations that will help you with setting up business credit. Often there are loans available for start-up businesses or even government grants. Check your state government web sites for such organizations. Many retired owners and businessmen volunteer to help start-up businesses. By researching your options prior to a business start-up; you will not be struggling later with questions. With any luck building your business credit will be a smooth transaction with a huge net profit for you in the end!

Term Life And Whole Life Insurance

Which type of policy is best for you, term or whole life? The answer depends on several factors, including:

Your Needs. If you need coverage only until your children graduate from college, for example, you might be better off with a term life policy.

Cash-value insurance is better suited for long term needs, such as planning estate taxes and providing lifetime security for your spouse. Some term policies cannot be renewed past age 70 or 80 and can become costly to renew as you approach that age.

The Cost. If term life insurance is more suited to your budget and you want life time coverage, consider a term life policy which can be converted into a whole life policy. Then you can convert the policy whenever your cash flow or needs dictate. You can also purchase a combination of term life and whole life insurance and gradually shift into whole life insurance over time.

Your Savings and Investment Goals. Whole life insurance can be a good long term investment vehicle, especially because the cash value has the potential to grow tax-deferred. Should you no longer need the insurance but want some extra cash, you may surrender the policy and collect the accumulated cash value. Be sure to discuss the tax consequences with your tax advisor first.

As an alternative, you could purchase term life insurance and invest what you save on premiums on your own. Compare the returns you can expect, and remember to take taxes into consideration if you plan to select taxable investments.

So, Should I Buy Term Life or Whole Life Insurance? Term life and whole life insurance both have advantages including immediate family protection. Deciding which type of policy and which features are right for you takes careful consideration and, most times, a comprehensible look at your financial plan. To discuss your life insurance needs and financial requirements, contact your financial professional.

About the author: Hughes Trustco offers you free E-books & Brochures to help you in buying life and health insurance. For the cheapest and best life insurance quotes, visit

Business Broker Guide- How to choose a reliable Business Broker

Business brokers or business transfer agents are helpful in selling your business at higher prices. A business broker provides buyers as well as sellers for different businesses. You can easily sell or buy a running business with the help of best business brokers. Business broker works like a real estate agent.

Business brokers find buyers for you to make an effective business sale. Hiring business brokers is the better option to gain more offers and profit. You can even get maximum prices for your small business. Business broker can be a person as well as a firm that enables you to sell various businesses that includes Internet businesses as well as website.

Business brokers provide accurate value of the business. They advertise your business for sale and handle all initial discussions with the buyers and also help the sellers to sell their business at good prices. They attract buyers in different ways. They advertise for your business on their websites and manage space in business newspapers and magazines.

Business brokers are very much confident with their work. They work on the behalf of sellers and sometimes suggest them about how to get more profit from business assets. Buyers can also get benefits of business brokers by telling their requirements. They only charge some commission for every transaction. Usually they get charge commission from both buyers as well as sellers.

While thinking about business brokers, very first question that comes in mind, how to choose a right business broker? There are not specific qualifications of business brokers but the person or firm, that you’re going to hire for your business transactions, should be reliable, knowledgeable, experienced, planned and friendly with you. You should call two or more business brokers for interview and then choose the best among them. You should check whether the broker has great knowledge about the business or not. Just check out their brokerage skill. Always choose a reputable brokerage firm for your business activities.

Business brokers should know how to maintain good buyer-seller relationship. Broker works as a bridge between buyers and sellers. You should check their working ability as well as their common sense. The person who can devote time for your business is the best business broker.

International Business Brokers Association is the leading association of business brokers.

About the author: About Author: The Author owns a website on Business brokers . Website offers useful information about business broker and gives some tips to select the best business broker. It provides some advice on how to become a business broker. Just visit his site

5 Internet Business Mistakes You Don’t Want to Make

Congratulations! You’ve made the plunge into Internet Business, and now you have to show everyone what you’re made of. Use your new technology-enhanced marketing powers to reach more customer channels and grow your business. You’re on the bandwagon already, so here are a few basics you need to be conscious of to succeed in this Web Business game.

CHECK AND ANSWER YOUR EMAIL There’s nothing like sending someone an email only to find that they never check it. Email is probably THE most important internet tool you could have. Learn how to use it! I can’t say that enough. LEARN HOW TO USE IT! After checking your email, take the next step and actually answer the person who emailed you. You’d be suprised how easy it is. For those of you out there who get so much email that you’d probably need an assistant to read it all, try segmenting your email based on priority or by sender so that you can at address the ones that are really important to you. Advanced email users can add keyword filters to their mailboxes to help keep things organized.

CHANGE YOUR SITE A web site that never changes, is simply boring. If you have content that doesn’t change at all, or doesn’t change often – at least update the home page every now and again so it appears that you have an active interest in your business. On the flip side, major navigation changes and adding irrelevant sound or graphics that don’t mount to a hill of beans for your audience isn’t worth your time either. You’ll only frustrate people and ultimately end up doing alot of work with little gain. Less is more, but too little is not enough!

SPY ON YOUR COMPETITORS Yep. You have to do it. Many businesses on the Internet today fail because they neglect to provide services or functions that are considered ‘normal’ for the audience they serve. For example, if you’re a mortgage broker, it might be a good idea to have some of those cool mortgage calculator scripts on your site. If you’re a tax accountant, then maybe putting a copy of this years’ tax forms – or independent links to them – would be a good idea. You can’t know these things unless you check out other sites that have similar businesses to yours. Find out what they’re doing and what they’re not doing. Design or rebuild your site based on the research you’ve done and rest easy knowing that you’re at least on par with your competition!

ADVERTISE If you build it, they will NOT come. They won’t know you’re there! You pay a sum of hard-earned money to a designer and a web host, then you sit back and just wait for the phone to ring or the emails to pour in. NOT! Low cost and no cost advertising opportunites exist everywhere for just about every line of business – find some and get the word out!

FOLLOW THE RULES When building and publicizing your site, make sure you are following the rules and regulations for your industry. Never accept credit card numbers without having an SSL Certificate on your site (try, and don’t send SPAM emails. Your web designer or developer should be able to able to give you a basic idea of what will be necessary for some things, however, its not their business and ultimately YOU will be held responsible for any errors, omissions, and acts of non-compliance. Research, research, research!

An internet business, although having no walls or physical location, is much like having a normal business. Make a commitment to learning all you can about running your business and to understand the technologies that are available to help you succeed.

Share your own experience with me at

About the author: Chris Curtis, a professional Internet Business Consultant, has been helping small and medium businesses gain a competitive advantage on the internet, worldwide, for more than 10 years. Through her own site at she provides web design, programming, and internet business consulting.

Looking to Buy a Second Home? Central America Offers Great Value


Looking for a second home for vacation, retirement or simply as an investment? If so, then you should consider a location in Central America.

Properties in countries like Mexico, Costa Rica and Panama offer natural beauty as well as great value. Your dollar goes much further in these countries than in the U.S.

Just imagine, you can buy a spacious home on the beach or in the mountains for less than one-third and sometimes one-half of what you would pay for a comparable vacation property at home.

To meet the demand for luxury property in Central America, many developers are now building, upscale, master-planned residential developments.

You’ll find properties that offer everything you could ever want in a second home, from resort-style pools, to world-class golf courses, gourmet restaurants, upscale retailers, beach access and personalized concierge services. And many have rental programs that will keep your home rented and generating revenue for you when you’re not there.

Plus, these countries are encouraging foreign investors, offering tax incentives and generally making it easy and safe for non-citizens to purchase property.

For all these reasons Central America is experiencing a growth spurt that has never been seen before and shows no signs of slowing down any time soon. And, as anyone who has ever bought real estate knows, the time to buy is at the start of the upswing.

A second home in Central America offers:

• A low cost of living

• Great weather year-round

• The chance to enjoy another culture

• Quality developments with outstanding amenities

• Beautiful, untouched ocean views

• Beach and mountain locations

• An opportunity to buy real estate at pre-construction prices

• Optional rental programs to generate revenue

• Profit potential when you sell

• Proximity to the U.S.

Investing in real estate in Central America has never been smarter or easier. Using the Internet, you can learn about properties overseas and the requirements for making a purchase. Transactions can be done via e-mail and phone.

Additionally, financial institutions are more willing now to make loans on second homes abroad than they were in the past. The process has been simplified as lenders have become increasingly transparent, global and linked.

Concerned about buying a home in a country that isn’t as modern as the U.S.? Don’t be. Infrastructure in Central America has been greatly improved in recent years. There are new and expanded airports, and more frequent and direct flights from major U.S. and European cities. There are better roads and modern marinas, all enhancing access to new property developments.

Plus, these countries now have up-to-date medical facilities, often staffed by American-trained doctors. Getting advanced and affordable health care is no longer a concern. Suddenly, what was once considered an exotic location now offers the same quality and conveniences as home.

If being far away from friends and family causes you to hesitate, don’t worry about being out of touch. In Panama, Mexico and Costa Rica, you’ll find global cellular phone connections and easy Internet access, helping fend off feelings of isolation during time spent outside the U.S.

Owning a vacation or retirement property in Central America countries like Mexico, Panama and Costa Rica can provide great enjoyment, diversify your investments, generate rental income and even ultimately increase your net worth. What more could you ask from a second home!

How To Become a Mortgage Broker

The mortgage industry accounted for $1,815,949,279,000 in loan transactions in 2004. That’s one trillion, eight hundred and fifteen billion, nine hundred and forty-nine million, two hundred and seventy nine thousand dollars…in one year!

Mortgage brokers average better than 1% commission on every transaction…so a conservative estimate is $18,159,492,790 to the mortgage industry in commissions last year. Eighteen billion is a lot of money to go around.

Consider a profession that doesn’t require any formal schooling yet offers a six-figure plus income potential to any broker who wants it.

Here’s how the business works…

A mortgage broker acts as the middle man between a borrower and a lender. The broker bridges the communication gap between the technical requirements of the lender and the non-technical demand of the borrower. And here’s the best part…mortgage brokers get a cut of every loan they close.

The upside for this profession is nearly unlimited. Once you’ve reached a high monthly income level from your mortgage commissions you can move into other areas of the business and make huge amounts of money.

Buying second mortgages, funding choice loans yourself and buying real estate investment properties are just a few examples of the opportunities for expansion that are available to successful mortgage brokers.

If you’re ambitious and want to become truely wealthy this industry will afford you every opportunity to do so.

The mortgage industry does, however, require that you master three important skills before it will reward you with success.

You have to be able to sell.

This is ultimately a personal business. You will be dealing with people every day. Knowing how to relate to all kinds of people to make sure they are comfortable during an unfamiliar and very important process is vital. Sales skills are essential to your success as a mortgage broker.

Prior sales experience is helpful but not necessary. Regardless of your sales skill level you should commit to continuously learning everything you can about sales.

You have to understand loan processing.

Processing a loan is an exercise in navigating a bureaucracy. It takes patience and a different mindset than you need when you deal with your clients. Put in the effort to make the personal relationships with decision makers at your favorite lenders…it will pay off in concrete, financially measurable, ways.

The best way to establish yourself as a professional is thorough expert knowledge. Study the loan process from front to back and really learn the in’s and out’s of funding a loan. It will give you insight and perspective on the business that will enable you to offer better service, faster closings and a smoother process to your clients.

You have to use effective marketing.

Without effective marketing you won’t have any prospects to sell to. It’s the marketing that brings in prospects. Your mortgage business, indeed…all businesses, depend on it for their very survival.

But marketing can do much more for you than help you survive. If done carefully, methodically and scientifically, marketing can propel your mortgage business to levels of financial success you never dared imagine.

Effective marketing can build a mortgage business into a cash cow…sales and loan processing can’t. The greatest success in the mortgage business can be had the quickest by mastering the art and science of mortgage marketing.

This is a great industry. It offers all the opportunity you could ever want. True wealth awaits those who apply proven methods to their mortgage business.

Which Business Credit Cards with Reward are the Best?

Thinking of applying for a credit card with a reward program to help you and your business? Here is a brief guide to some of the best programs on the internet.

The Platinum Business Credit Card with rewards from American Express is a great offer. It has a introductory 0% APR, and has a low 4.99% fixed rate for balance transfers made within the first 45 days. Perfect for those with good credit, you can get a decision within 60 seconds, when you apply online.

Citibank also offers great business credit cards with rewards that could help you and your business. The CitiBusiness Card, like the Platinum Business Credit Card, offers qualified applicants a low introductory rate and no annual fee. This card is perfect if you are thinking of transferring your balance as it will give you a low interest rate. It also offers a great credit line, which will let you make purchases for your business.< card to help you better manage your business expenses, the Advanta Platinum Business Card might be just what you are looking for. It has a credit line of up to $50,000.00, a low APR for up to twelve months, and gives you a customized credit card, with your business name on it. Likewise, the Advanta Platinum with Cash Back Rewards has the same great advantages of the Platinum Business Card, but with added rewards, like a choice of 5% cash back or travel related reward points. It also has a no-interest APR, but with this card, the introductory period lasts for fifteen months, giving you an extended opportunity to save even more money for your business.

There are many business credit cards with rewards on the market, which offer great rewards plans for both small businesses and large corporations. All you need to do is to decide which ones to apply for!

Convenience Of Online Degrees

Today, more than ever, it’s easier and more convenient to obtain a degree than ever before. This is thanks to the prevalence of online degree and distance learning programs now widely available.

Statistics show that 56% of all 2 year and 4 year colleges now offer some kind of online learning and distance education courses. That is over 2,000 colleges nationwide. The University of Phoenix saw it’s enrollment almost triple in the five year period 1998-2003. Trying not to be left behind, some ivy league colleges such as Harvard and MIT now offer online courses and full degree programs online.

Convenience is the key to the success of these programs. Most of the students that are attracted by online degree programs are busy full-time working professionals, some with children at home. Some are single parents who can’t get out of the house two or three times a week to attend school at a traditional campus. Utilizing online education students are able to learn at their own pace. They can do their studying at their leisure.

Distance education program requirements vary from college to college. Some require that you visit the campus a few times during the semester, some only at the beginning. Most have orientations at the beginning of each semester which allow the students to meet with professors. After this initial orientation, the college utilizes teleconferencing and taped lectures for further learning and discussions between students and professors.

If you are thinking of taking advantage of an online degree make sure that the college is accredited. Accreditation means that the school is held to high and established standards of education. You should only attend a properly accredited college. Some degrees, such as nursing and education require licensing. Make sure that your state will accept the degree obtained from an online university. Don’t forget to see what type of financial aid might be available to you through the school, local and federal governments or even in the workplace. Most employers offer rebates to employees who return to school to advance their career skills.

Be advised that as with traditional college learning, online courses involve lots of studying. It’s important to be organized and focused to realize success with self paced learning. In general, surveys have found that nine to ten hours of study per week is needed for each class you are taking.