Friday, July 22, 2011

Starting a Business

Are you thinking about starting a business of your own? Congratulations! It’s a huge step, and you’ll need to be prepared. That’s where SBA comes in: In this section, we have brought together the resources you need to get started. Whether you’re sitting down to write your business plan, wondering about your legal obligations, or researching your financing options, you’ll find the information you need right here.
  • Thinking About Starting

    If you’re thinking about starting a small business, you should start by weighing the pros and cons, so that you can make a wise decision. The resources in this section are essentially a toolkit to guide your decision-making ...
  • Finding a Mentor or Counselor

    When you’re in the initial phases of getting your small business off the ground, you could probably use some guidance and advice from a mentor or counselor. Experts are available to assist you through local offices and for specific ...
  • Writing a Business Plan

    Now that you’ve decided that you’d like to open a small business, you should put your thoughts down on paper. This way, your business idea is expressed in a plan – a living document that outlines every critical aspect of its ...
  • Establishing a Business

    Once you decide that your small business idea is viable, you have several more key decisions to make. SBA is your partner, equipping you with the information you need. Be sure to review the information in this section carefully, because ...
  • Preparing Your Finances

    Before you head to your bank or credit union to apply for a loan, be sure that you understand your situation and your options. What are your startup costs? At what level of revenue will your business break even? And how does SBA assist new ...
  • Loans, Grants & Funding

    You have a variety of options when it comes to financing your small business. In addition to traditional loans, you may wish to explore other opportunities that range from grants and bonds to investor-based venture capital. ...
  • Business Law & Regulations

    As a small business owner, you are subject to the same regulations as large corporations. Even if you’re starting out on a small level and planning to grow, you must comply with business laws and regulations from the day you open for ...
  • Marketing a New Business

    Let’s say you have a great product, and you’re ready to fill orders. You might be missing a crucial business aspect: marketing – or telling people why they need your great product in the first place. This sect...
  • Local Resources

    Looking for small business counseling and training close to home? SBA can help! SBA provides small business counseling and training through a variety of programs and resource partners across the country. Check out the resources below to ...
  • Forms

    The process of starting and managing a business requires a lot of analysis and paperwork. SBA has just about every resource you’ll need, from business plan examples and financial forms, to tools that can help you determine the best ...

You paid a lot for your iPhone, so why not use it to earn back some of that dough?



Here are seven apps -- all free -- that can save you hundreds of dollars a year. We took them for a test drive and slashed our shopping tab by nearly $70.
PriceCheckPrice Check: Ever wonder if you're getting the best deal? There are quite a few apps that promise to scan barcodes and compare prices, but this one is by far the easiest I've used. You can scan a barcode, take a photo, or even just say a product's name, and Price Check will find matches at Amazon.com and any of its hundreds of partners. If the app turns up a better price, just click to buy and save.

Sample savings: A hardcover book selling for $25.99 at Target was just $14.75 at Amazon.
Key ringKey Ring: Store loyalty cards often mean serious savings, especially at grocers and drugstores. But the resulting bulge in my wallet from all that plastic means I increasingly turn down offers for new ones, leaving money on the table. Enter Key Ring. It scans and stores all your loyalty cards so they're always just a tap away.
Sample savings: $3 off my cats' favorite brand of food at Petco.
Amazon dealsAmazon Deals: For the uninitiated, Amazon (AMZN) offers up one huge "Deal of the Day" and a half-dozen or so "Lightning Deals" every day, good for just a few hours each. These deals often mean massive savings on items like printers, HDTVs, cameras, video games, and more. The problem? The discounts are so good that the deals often sell out. Amazon Deals comes to the rescue with a simple app that alerts you to current and upcoming offers, and lets you buy current deals instantly or get a text reminder for future ones.
Sample savings: $12.55 (33%) off a surge protector, $30 (41% off) a pair of high-tech ear buds.
Gas buddy



Gas Buddy: This ingenious app uses your location to display the prices at every nearby gas station, thanks to fellow users who update prices regularly. (In my area, they're usually current within an hour or two.) The first time I used it, I saved $3.60 simply by skipping the station across from my house and stopping at one a little further along my regular route.
Sample savings: $3 less per tank.
Grocery IQGrocery iQ: Every once in a while, I try to clip coupons to save a little cash, but inevitably, I never have them with me when I need them. Grocery iQ has the solution: Add coupons directly to your grocery store savings card! That way, they're applied instantly at checkout. The app does some other cool things, too: You can scan items as you run out of them to add them to a shopping list; organize your list by store and aisle; and print additional coupons directly from your phone. The selection of stores participating in the savings card portion is somewhat limited (developers promise they're adding more all the time), but if yours is included, this app is a must.
Sample savings: $0.75 off ice cream, $2 off multivitamins.

GrouponGroupon: Until recently, I didn't quite get the immense popularity of Groupon. You had to keep track of which deals you'd bought and remember to use them before they expired. That's easier said than done for this busy mom of two. But thanks to the genius combination of Groupon's instant deals with its mobile app, I'm now a Groupon groupie. Using your location, Groupon will point you to deals close by. A recent search turned up three restaurant offers within walking distance of our offices, plus a handful of salon and shopping choices.
Sample savings: $5 for $10 worth of food at a favorite lunch spot.
Yard sale MapperYard Sale Mapper: If you're a fan of garage and yard sales, this is the app for you. Pulling from Craigslist and newspaper listings, Yard Sale Mapper displays all the sales in your area by day. Simple yet indispensible for the true bargain hunter.

Wednesday, July 20, 2011

Germany and France reach Greek accord

 German Chancellor Angela Merkel greets French President Nicolas Sarkozy Wednesday in Berlin, Germany.
Germany and France appeared to settle their differences late on Wednesday over a new rescue package for Greece.
No immediate details were available but Steffen Seibert, a spokesman for Angela Merkel, the German chancellor, said "a common German-French position" had been agreed and ­discussed with Jean-Claude ­Trichet, president of the European Central Bank, and Herman van Rompuy, president of the European Union.
The breakthrough came after Nicolas Sarkozy, French president, rushed to Berlin to hammer out a Greek rescue plan that could include €71bn (£63bn) in bail-out funds from global lenders and a €50bn tax on eurozone banks, proceeds from which would be used to buy back 20 per cent of Greece's €350bn in outstanding debt.
The proposals, included in a plan circulated by the European Commission ahead of an emergency summit on Thursday, also include a bond exchange programme under which private owners of Greek debt would be encouraged to swap their holdings for new 30-year bonds. The swap plan could reduce Greek debt by an estimated €90bn. It would be offered, with credit sweeteners, to owners of bonds due in the next eight years.
Senior bank executives involved in talks with European negotiators said a final plan was likely to include either the bank tax or the bond exchange programme -- but not both.
José Manuel Barroso, Commission president, had warned: "Nobody should be under any illusion: the situation is very serious. It requires a response. Otherwise the negative consequences will be felt in all the corners of Europe and beyond."
Officials said Mr Barroso's plan would expand the powers of the eurozone's €440bn bail-out fund. It would be allowed to offer lines of credit to eurozone countries not receiving bail-outs and to recapitalise banks in those countries. In the past 14 months, the EU has bailed out Greece, Ireland and Portugal.
Berlin was lukewarm towards the bank tax proposal. According to officials, it would amount to a 0.0025 per cent levy on all assets held by eurozone banks and would raise €10bn per year for five years. The cash would go to the bail-out fund, which would then use the money to conduct a Greek bond buy-back.
Bank executives said momentum was building towards the tax plan, which has Paris's backing and would not lead to a default in Greek bonds. France has concerns about bond swaps, which would lead to a temporary Greek default. The European Central Bank fears that even a selective default could lead to panic in eurozone bond markets.
The officials said that under the bond swap plan, additional government money would be needed to recapitalise European banks holding Greek debt. The plan would also need to ensure there was new collateral for Greek banks, which now use Greek bonds as collateral for loans from the ECB. The bank has threatened to cut Greek banks off during a default, which would freeze the Greek financial system.

Tuesday, July 19, 2011

7 Free Apps That Saved Us an Instant $68.14You paid a lot for your iPhone, so why not use it to earn back some of that dough?



Here are seven apps -- all free -- that can save you hundreds of dollars a year. We took them for a test drive and slashed our shopping tab by nearly $70.

PriceCheckPrice Check: Ever wonder if you're getting the best deal? There are quite a few apps that promise to scan barcodes and compare prices, but this one is by far the easiest I've used. You can scan a barcode, take a photo, or even just say a product's name, and Price Check will find matches at Amazon.com and any of its hundreds of partners. If the app turns up a better price, just click to buy and save.

Sample savings: A hardcover book selling for $25.99 at Target was just $14.75 at Amazon.
Key ringKey Ring: Store loyalty cards often mean serious savings, especially at grocers and drugstores. But the resulting bulge in my wallet from all that plastic means I increasingly turn down offers for new ones, leaving money on the table. Enter Key Ring. It scans and stores all your loyalty cards so they're always just a tap away.
Sample savings: $3 off my cats' favorite brand of food at Petco.
Amazon dealsAmazon Deals: For the uninitiated, Amazon (AMZN) offers up one huge "Deal of the Day" and a half-dozen or so "Lightning Deals" every day, good for just a few hours each. These deals often mean massive savings on items like printers, HDTVs, cameras, video games, and more. The problem? The discounts are so good that the deals often sell out. Amazon Deals comes to the rescue with a simple app that alerts you to current and upcoming offers, and lets you buy current deals instantly or get a text reminder for future ones.
Sample savings: $12.55 (33%) off a surge protector, $30 (41% off) a pair of high-tech ear buds.
Gas buddy



Gas Buddy: This ingenious app uses your location to display the prices at every nearby gas station, thanks to fellow users who update prices regularly. (In my area, they're usually current within an hour or two.) The first time I used it, I saved $3.60 simply by skipping the station across from my house and stopping at one a little further along my regular route.
Sample savings: $3 less per tank.
Grocery IQGrocery iQ: Every once in a while, I try to clip coupons to save a little cash, but inevitably, I never have them with me when I need them. Grocery iQ has the solution: Add coupons directly to your grocery store savings card! That way, they're applied instantly at checkout. The app does some other cool things, too: You can scan items as you run out of them to add them to a shopping list; organize your list by store and aisle; and print additional coupons directly from your phone. The selection of stores participating in the savings card portion is somewhat limited (developers promise they're adding more all the time), but if yours is included, this app is a must.
Sample savings: $0.75 off ice cream, $2 off multivitamins.

GrouponGroupon: Until recently, I didn't quite get the immense popularity of Groupon. You had to keep track of which deals you'd bought and remember to use them before they expired. That's easier said than done for this busy mom of two. But thanks to the genius combination of Groupon's instant deals with its mobile app, I'm now a Groupon groupie. Using your location, Groupon will point you to deals close by. A recent search turned up three restaurant offers within walking distance of our offices, plus a handful of salon and shopping choices.
Sample savings: $5 for $10 worth of food at a favorite lunch spot.
Yard sale MapperYard Sale Mapper: If you're a fan of garage and yard sales, this is the app for you. Pulling from Craigslist and newspaper listings, Yard Sale Mapper displays all the sales in your area by day. Simple yet indispensible for the true bargain hunter.

Monday, July 18, 2011

ELEVATE YOUR TRADING















Lightning-fast trade execution.
Extensive charting offering nearly unlimited analysis potential.
Track hundreds of symbols in a single window with our proprietary RadarScreen
and execute trades while other guys are still trying to spot them.
One of the industry’s largest and most extensive historical market databases, for robust back-testing and analysis.
Automated or manual trade execution based on your trading style and preference.
Extensive, continuous education opportunities for all levels of trading experience to help improve your skills.
Low commissions, as low as $1 per trade.
Free platform customization and highly responsive customer support.
Futures, Equities, Options, Forex

per side, per contract
+ exchange, regulatory
& overnight fees


View Commissions and Markets

One commission plan per account.

Per-Share
$1 for 100 shares
$5 for 500 shares
$8 for 1000 shares

First 500 shares $.01 per share,
$.006 per share thereafter.

- Includes all ECN fees     - $1 minimum
- No charge for unexecuted or
cancelled shares

View Examples

Flat-Fee
Monthly Trades Unlimited Shares
1 - 9
10 - 29
30 or more
$9.99/trade
$7.99/trade
$6.99/trade
Direct routing:
up to 5000 shares no additional charge,
$.005 per share thereafter.

View Examples



per contract
with
NO ticket charge
and NO minimum

Commission
FREE

TradeStation makes money on each forex trade from a small markup embedded in the spread, which is the difference between the bid price and the ask price.
View Examples

Phone-in orders add $20 per trade3

How does your broker compare?
Broker Comparison
Futures
All electronically
traded U.S. futures
including E-Minis
25¢ - $1.20
per side, per contract
+ exchange, regulatory
& overnight fees
$2.99
per side,
per contract
+ exchange and
NFA fees
Futures
Not
Offered
$6.99
per side,
per contract + NFA, exchange & transaction fees
Futures
Not
Offered
$3.50 per side, per contract
Equities
Per-Share
100 shares =
$1.00
$9.99 $7.95 $9.95 $8.95 $9.99
500 shares =
$5.00
1000 shares =
$8.00
Flat-Fee
1-9 trades / month =
$9.99 / trade
$9.99 / trade $7.95 / trade $9.95 / trade $8.95 / trade $9.99 / trade
10-29 trades / month =
$7.99 / trade
$9.99 / trade $7.95 / trade $9.95 / trade $8.95 / trade $9.99 / trade
30 or more trades / month =
$6.99 / trade
$9.99 / trade $7.95 / trade $9.95 / trade $8.95 / trade $9.99 / trade
Options
1 contract =
$1.00
$10.74 $8.70 $14.95 $9.70 $10.74
10 contracts =
$10.00
$17.49 $15.45 $15.00 $16.45 $17.49
20 contracts =
$20.00
$24.99 $22.95 $30.00 $23.95 $24.99
Forex
FREE Forex
Not
Offered
Forex
Not
Offered
Forex
Not
Offered
Forex
Not
Offered
Commissions
based on
counter currency
units

Example:
100,000 EURUSD
Comm. = $10

Examples


Trades Not Placed Through The TradeStation Platform
Electronically Traded Futures
(traded through the TradeStation Futures platform)
View Commissions
Electronically Traded Futures Options
(traded through the TradeStation Futures platform)
$5.00
View Markets
for many option contracts.
Price is all inclusive.
Please contact your sales representative for additional details.
Pit-Traded U.S. Futures
(traded through the TradeStation Futures platform)
$6.99
View Markets
per contract; per side
Pit-Traded U.S. Futures Options
(traded through the TradeStation Futures platform)
$13.98
View Markets
per option contract;
all-inclusive
International Futures
(traded through the TradeStation Futures platform)
View Commissions
OTCBB
$9.99
100,000 share position maximum
Pink Sheet Stocks
$9.99
100,000 share position maximum
T-Bills
EQUITIES FUTURES
$50.00
$10.00
Commission
Commission
Bonds
$14.95
plus $5 per bond
Mutual Funds4
$14.95
per trade
View Mutual Funds
Open An Account

1. Per-share equities commissions, which under certain circumstances may be lower and more advantageous to smaller-share-per-order traders, are primarily designed for use by active individual, institutional, and professional stock traders desiring the highest level of execution quality and speed. As such, the intelligent-routing algorithm predominantly leverages the advantages of more expensive execution destinations such as ECNs and electronic exchanges.
2. Flat-fee equities commissions, which under certain circumstances may be lower and more advantageous to larger-share-per-order traders, are primarily designed for use by individual traders who value execution quality and speed, and desire the highest level of flexibility with their execution costs. As such, the intelligent-routing algorithm may favor less expensive execution destinations including market makers.
Flat-fee and per-share commissions shown are based on intelligent order routing. Direct routing of flat-fee orders is available at no additional charge for orders of up to 5000 shares; direct-routed flat-fee orders of over 5000 shares will be charged an additional $.005 per share in excess of 5000 shares. Flat-fee commission rate for the first calendar month will be $6.99 per trade for all equities trades. In subsequent calendar months, the flat-fee commission rate will be based on the equities trading activity in your account from the prior month. For example, if the total number of equities trades in all your TradeStation flat-fee accounts under the same customer ID is 20 in July, then all equities trades placed in your commission accounts in August will be $7.99 per trade.
3. There is no $20.00 surcharge for any of the following types of phone-in orders: OTCBB or Pink Sheet Stocks, T-Bills, Bonds or Mutual Funds.
4. When trading Mutual Funds other fees may apply. Please read the prospectus carefully.
5. E*Trade pricing for flat-fee equities trades based on $9.99 per trade for those who place 0-149 trades per quarter (up to 2000 shares per trade). Pricing for options trades for those who place 0-149 trades per quarter. Commissions may vary based on actual trading activity and/or account balance.
6. Fidelity pricing for flat-fee equities trades based on $7.95 per trade. Commissions may vary based on actual trading activity and/or account balance.
7. OptionsXpress pricing for flat-fee equities trades based on $9.95 per trade (up to 1000 shares per trade). Pricing for options trades for those who place fewer than 35 trades per quarter. Pricing for futures trades for those who trade fewer than 41 contracts per month. Commissions may vary based on actual trading activity and/or account balance.
8. Schwab pricing for flat-fee equities trades based on $8.95 per trade. Commissions may vary based on actual trading activity and/or account balance.
9. TD Ameritrade pricing for flat-fee equities trades based on $9.99 per trade for all trades. Forex commission-pricing based on counter currency units. TD Ameritrade also offers non-commission pricing on certain forex pairs. Commissions may vary based on actual trading activity and/or account balance. ETFs eligible for commission-free trading must be held at least 30 days, otherwise a short-term trading fee will apply.
Disclosure: The competitive information provided here was verified as of 3/13/2011. Some of the above firms may offer reduced commissions or waive fees, including but not limited to inactivity or maintenance fees if certain account activity and/or account balance criteria are met, and may offer products or services TradeStation does not offer. Some of the above firms may offer different or additional services. TradeStation charges a $99.95 per month Account Service Fee unless waived by account activity or balance thresholds.
A monthly Account Service Fee may apply based on trading volume or account balance. There is a regulatory transaction fee of 0.00192% of the total dollar amount of securities sold. Commissions do not include NFA fees. Prices, fees, costs and terms are subject to change.
For Options: If the total number of cancels is higher than the total number of contracts executed per day, per account, there is a $1.00 options cancellation charge per each cancel that is over and above the number of contracts executed. A cancel is defined as any user-initiated cancel/replace and/or order cancel. • Spreads / Straddles: Each leg represents a separate trade order and is subject to standard commission rates. There is an Options Regulatory Fee of $.0185 per contract ($.02 minimum) applicable to all option transactions.
Options trading is not suitable for all investors. Your account application to trade options will be considered and approved or disapproved based on all relevant factors, including your trading experience. Automated trading, as it relates to direct-access electronic placement and execution of equities options trades, requires manual one-click verification before order is sent. Please click here to view the document titled Characteristics and Risks of Standardized Options.
Security Futures trading is not suitable for all investors. Please click here to view the Risk Disclosure Statement for Security Futures Contracts.
Trading foreign exchange carries a high level of risk and may not be suitable for all investors. There is a possibility that you may sustain a loss equal to or greater than your entire investment; therefore, you should not invest or risk money that you cannot afford to lose. You should be aware of all risks associated with foreign exchange trading.