Wokai provides microloans to help lift people out of poverty in rural China. It works with field partners to lend small amounts of money to individuals so they can start or expand businesses. Contributors donate money to Wokai, which is then transferred to field partners to issue loans. Loan recipients repay the loan plus interest, allowing the money to be re-lent to new borrowers. Wokai's goal is to reach $1 million in loan capital by the end of 2011 to fund around 2,000 loans and expand into China.
Get What Is Your Due with the Help of a Good Disability Lawyer of TorontoMessy Leon
油
Disability of any type or form can be both physically and mentally devastating for a person. The whole situation can worsen beyond measure by denial of rightful disability benefits by insurance companies.
The Community Equity Fund provides equity capital injections to Black- and Brown-owned small businesses that have been operating for 3-5 years with annual revenues over $50,000. The fund takes a 20% revenue share stake for 2 years to provide operating capital, after which the business repays 7% of annual revenues over 3-5 years. Repayments are reinvested in new businesses to continue promoting economic mobility in underserved communities through entrepreneurship. The fund is managed by Eagle Market Streets and supported by various partners to help businesses succeed.
Our Houston bankruptcy lawyer explains Chapter 7 bankruptcy, whether you qualify, and if it is the right path for you. For more information, visit us at www.guzmanbankruptcy.com.
Investing to solve the racial wealth gap. Venture philanthropy to solve the friends and family gap for entrepreneurs who don't have a rich uncle. Equity to give them runway to be able to access loan funds.
Every day, thousands file for bankruptcy to get out of a serious debt problem they are facing affecting the persons' bank accounts and lives. Causes leading someone to this unfortunate situation are many and here we will attempt to highlight some of the more common ones. Regardless of the cause, bankruptcy is the go-to solution for a lot of people finding themselves in financial dire straits.
What are the causes of Insolvency Bankruptcy in UAE?
Medical Expenses
Sudden Unemployment
Living beyond your means
Divorce or Separation
Unexpected Expenses
The document discusses the challenges that charities will face due to the credit crunch and volatile financial markets. It states that demand for charity services will increase while funding decreases, and some charities may face insolvency. Trustees are advised to review financial positions and cash flow forecasts, ensure diversified investment portfolios, and consider mergers or restructuring to prevent failure in the difficult economic environment. Charities are encouraged to seek specialist advice to minimize risks and losses during this challenging time for the charitable sector.
1) StretchPay is an alternative loan program to payday loans offered through credit unions. It provides short-term lines of credit up to $250 or $500 with affordable repayment terms and fees.
2) It began as a pilot program through 11 credit unions in Ohio to test offering small dollar loans. Over 35 credit unions nationwide are now considering participating.
3) Credit unions can join through a CUSO which reimburses 90% of credit losses, allowing them to offer the loans without taking on significant risk. The CUSO manages the program and risk sharing nationally.
The document discusses embedding financial inclusion strategies into homelessness prevention efforts. It notes that the main drivers of homelessness are relationships breaking down, rent and mortgage arrears, and the end of assured shorthold tenancies. Financial difficulties experienced by 60% of tenants in housing benefit and many private landlords expecting to evict for rent arrears further link financial exclusion to homelessness. The presentation advocates identifying clients' financial issues early and referring them to services like debt advice, welfare benefits assistance, credit unions, and support for vulnerable tenants to help prevent homelessness and promote housing stability.
Nikitas Kouimanis of Maverick Funding Corp has earned the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers for meeting high standards of knowledge, professionalism, ethics and integrity. The seal recognizes individuals who pass a background check, have a state license, attend training including ethics, and pledge to abide by a code of ethics. The Association believes the seal will become as recognized as the Good Housekeeping Seal for upholding strong ethical standards in mortgage lending.
Since 2013, the United Receivables Group has pursued outstanding accounts for creditors. The United Receivables Group remains dedicated to treating customers with dignity and helping them find repayment solutions that may benefit their long-term finances, including their credit.
Association Financial Services provides loans and lines of credit to condominium and homeowner associations when banks say no. They offer innovative funding solutions and consider different lending criteria than banks. They also help associations struggling with bank loan payments by modifying or refinancing loans for more favorable terms. Their services include various types of loans as well as back office solutions and strategic programs for property management.
Understanding the new rules GOLAJN002MAY2915Rodney Horin
油
The document discusses new rules for Australia's aged care industry that took effect in July 2014, which made the system more complex and worse for middle-class families. It provides tips for reducing aged care fees, such as negotiating accommodation deposits, reducing income assessments, protecting pension entitlements, and examining extra service fees. Key decisions that require consideration include how to pay accommodation costs, whether to sell the family home, and how changes will impact pensions.
Bail USA is a bail bond company that aims to provide prompt, professional bail services to those in need during times of crisis. Their mission is to build strong relationships with bail bond agents and promote integrity within the industry. They provide contact information and list Cheryl Burns as the President, with an address in Greenville, PA. They offer 24/7 service and advise contacting them immediately if any issues arise regarding bail bonds.
it is not as high as you might think, and it is always worth considering a free first interview with a lawyer to find out whether you should submit a claim. Claims must be submitted within 6 months of the date of accident.
Mercury Adjustments, LLC provides public insurance adjusters who advocate for policyholders in appraising insurance claims by properly identifying losses and ensuring claims are fully paid. Public adjusters are useful when insurance will pay a claim but the value is unclear, as they have experience determining claim values. Some policyholders hire public adjusters due to lack of time to handle claims themselves. Mercury Adjustments can be contacted at 484-578-4420 or through their website for assistance with insurance claims.
Community associations struggling with unpaid maintenance fees now have access to an interest-free loan program. The Funding and Collections Service will provide associations with immediate cash equal to up to 100% of the past due fees from the last six months, and the association receives the balance when those fees are collected. Alternatively, their Community Association Collections Service will pursue recovery of past due fees without providing an up-front loan. They guarantee that if they do not collect the past due fees, they do not receive payment for their collection services.
This document promotes a Community Association Collections Service (CACS) that can help associations frustrated with slow collections processes. CACS will manage the entire collections and foreclosure process, advancing all legal and collection costs so the association pays nothing up front. They focus on collecting all amounts due to limit write-offs, and move quickly because their payment depends on collections. Their specialized methods are designed specifically for condo and HOA associations to maximize recovery and prevent unnecessary special assessments.
Late paying or non-paying owners in a condo or HOA can bring the entire community down. Here is a presentation by Community Association collections expert Mitchell Drimmer that gives you insight and options.
This article discusses collection agencies and advises staying away from them. It notes that collection agencies prioritize recovering debts over all else and threaten debtors aggressively through calls at all hours. The article explains that collection agencies are employed by creditors to collect debts when debtors do not pay what they owe. It notes some collection agencies are located in cities like Ontario, Canada, Kabul, and Dhaka. Finally, the article states collection agencies can help set up payment plans for debtors but overall it is best for debtors to avoid creditors and collection agencies.
The document discusses different ways for homeowners associations to fund unexpected costs such as those from natural disasters. It recommends that associations establish a line of credit as the best option. A line of credit allows quick access to funds when needed without interest penalties. Other options like special assessments or bank loans take more time and have disadvantages. The document concludes by advising associations to maintain adequate reserves, a strong operating budget, and a line of credit for emergencies.
White Paper_SBA Guarantees and DivorceAlex Zarcone
油
This document discusses how divorce proceedings often fail to properly address SBA loan guarantees, leaving clients still liable for the debt even if the ex-spouse was assigned responsibility in the settlement. It notes attorneys cannot rely on marital settlements to protect clients, who must be formally released by the SBA from their guarantee before or during the divorce to avoid future liability if the loan defaults. The document then provides an in-depth overview of SBA loans, personal guarantees, government collection processes, and steps needed to obtain formal release from the guarantee.
The document discusses an "Asset Income Plan" that allows homeowners and business owners to access the equity in their property to earn quarterly income payments without debt, interest payments, or loss of title to the property. It involves placing a charge on the property that is assigned to insurance companies to help them increase capital reserves as required by EU regulations. This allows the insurance companies to afford paying the property owners a quarterly income in return. The plan aims to benefit both property owners and insurance companies.
This document contains information about sharing financial decisions with a spouse. It discusses how investing in a spouse's name can help cut taxes. Specifically, it provides four tax-efficient strategies for couples, such as investing in tax-free investments like the Public Provident Fund or equity mutual funds to avoid additional tax liability. The document also discusses how gifting gold jewelry instead of cash to a spouse does not generate any taxable income.
The document is an advertisement for the National Credit Federation, which claims to help improve members' credit scores and access to loans/credit through an attorney-facilitated credit challenge program. It promises to help remove negative items from credit reports in multiple rounds by legally challenging creditors and credit bureaus. Members pay a monthly or lump sum fee to gain services like credit report disputes, credit score tracking, and access to attorneys. The organization aims to shift perceptions about the validity of negative credit reporting.
Bankruptcy Canada - Who Are These People Making Collection Calls Bankruptcy Canada
油
You might owe money to creditors and are receiving collection callsat home, at work, and on your cell phone. It is quite common for a consumer with one debt to get collection calls from multiple sources over the space of a few days. The fact that you might be receiving collection calls from more than one organization in relation to a single debt can be confusing and add to your stress level. Who are these people who are calling you demanding payment of your account?
Other than arranging for a hearing in front of TVs Judge Judy, one can either collect the debt themselves or resort to a Judgment/Small Claims Collections Specialist. A fee of 50% of the judgment is the standard collection fee charged by someone in the judgment/small claims reclamation business. The legal status of the court rendered obligation to pay becomes a discounted note that the agent negotiates with the plaintiff. With a course you can do it yourself or for others.
1) StretchPay is an alternative loan program to payday loans offered through credit unions. It provides short-term lines of credit up to $250 or $500 with affordable repayment terms and fees.
2) It began as a pilot program through 11 credit unions in Ohio to test offering small dollar loans. Over 35 credit unions nationwide are now considering participating.
3) Credit unions can join through a CUSO which reimburses 90% of credit losses, allowing them to offer the loans without taking on significant risk. The CUSO manages the program and risk sharing nationally.
The document discusses embedding financial inclusion strategies into homelessness prevention efforts. It notes that the main drivers of homelessness are relationships breaking down, rent and mortgage arrears, and the end of assured shorthold tenancies. Financial difficulties experienced by 60% of tenants in housing benefit and many private landlords expecting to evict for rent arrears further link financial exclusion to homelessness. The presentation advocates identifying clients' financial issues early and referring them to services like debt advice, welfare benefits assistance, credit unions, and support for vulnerable tenants to help prevent homelessness and promote housing stability.
Nikitas Kouimanis of Maverick Funding Corp has earned the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers for meeting high standards of knowledge, professionalism, ethics and integrity. The seal recognizes individuals who pass a background check, have a state license, attend training including ethics, and pledge to abide by a code of ethics. The Association believes the seal will become as recognized as the Good Housekeeping Seal for upholding strong ethical standards in mortgage lending.
Since 2013, the United Receivables Group has pursued outstanding accounts for creditors. The United Receivables Group remains dedicated to treating customers with dignity and helping them find repayment solutions that may benefit their long-term finances, including their credit.
Association Financial Services provides loans and lines of credit to condominium and homeowner associations when banks say no. They offer innovative funding solutions and consider different lending criteria than banks. They also help associations struggling with bank loan payments by modifying or refinancing loans for more favorable terms. Their services include various types of loans as well as back office solutions and strategic programs for property management.
Understanding the new rules GOLAJN002MAY2915Rodney Horin
油
The document discusses new rules for Australia's aged care industry that took effect in July 2014, which made the system more complex and worse for middle-class families. It provides tips for reducing aged care fees, such as negotiating accommodation deposits, reducing income assessments, protecting pension entitlements, and examining extra service fees. Key decisions that require consideration include how to pay accommodation costs, whether to sell the family home, and how changes will impact pensions.
Bail USA is a bail bond company that aims to provide prompt, professional bail services to those in need during times of crisis. Their mission is to build strong relationships with bail bond agents and promote integrity within the industry. They provide contact information and list Cheryl Burns as the President, with an address in Greenville, PA. They offer 24/7 service and advise contacting them immediately if any issues arise regarding bail bonds.
it is not as high as you might think, and it is always worth considering a free first interview with a lawyer to find out whether you should submit a claim. Claims must be submitted within 6 months of the date of accident.
Mercury Adjustments, LLC provides public insurance adjusters who advocate for policyholders in appraising insurance claims by properly identifying losses and ensuring claims are fully paid. Public adjusters are useful when insurance will pay a claim but the value is unclear, as they have experience determining claim values. Some policyholders hire public adjusters due to lack of time to handle claims themselves. Mercury Adjustments can be contacted at 484-578-4420 or through their website for assistance with insurance claims.
Community associations struggling with unpaid maintenance fees now have access to an interest-free loan program. The Funding and Collections Service will provide associations with immediate cash equal to up to 100% of the past due fees from the last six months, and the association receives the balance when those fees are collected. Alternatively, their Community Association Collections Service will pursue recovery of past due fees without providing an up-front loan. They guarantee that if they do not collect the past due fees, they do not receive payment for their collection services.
This document promotes a Community Association Collections Service (CACS) that can help associations frustrated with slow collections processes. CACS will manage the entire collections and foreclosure process, advancing all legal and collection costs so the association pays nothing up front. They focus on collecting all amounts due to limit write-offs, and move quickly because their payment depends on collections. Their specialized methods are designed specifically for condo and HOA associations to maximize recovery and prevent unnecessary special assessments.
Late paying or non-paying owners in a condo or HOA can bring the entire community down. Here is a presentation by Community Association collections expert Mitchell Drimmer that gives you insight and options.
This article discusses collection agencies and advises staying away from them. It notes that collection agencies prioritize recovering debts over all else and threaten debtors aggressively through calls at all hours. The article explains that collection agencies are employed by creditors to collect debts when debtors do not pay what they owe. It notes some collection agencies are located in cities like Ontario, Canada, Kabul, and Dhaka. Finally, the article states collection agencies can help set up payment plans for debtors but overall it is best for debtors to avoid creditors and collection agencies.
The document discusses different ways for homeowners associations to fund unexpected costs such as those from natural disasters. It recommends that associations establish a line of credit as the best option. A line of credit allows quick access to funds when needed without interest penalties. Other options like special assessments or bank loans take more time and have disadvantages. The document concludes by advising associations to maintain adequate reserves, a strong operating budget, and a line of credit for emergencies.
White Paper_SBA Guarantees and DivorceAlex Zarcone
油
This document discusses how divorce proceedings often fail to properly address SBA loan guarantees, leaving clients still liable for the debt even if the ex-spouse was assigned responsibility in the settlement. It notes attorneys cannot rely on marital settlements to protect clients, who must be formally released by the SBA from their guarantee before or during the divorce to avoid future liability if the loan defaults. The document then provides an in-depth overview of SBA loans, personal guarantees, government collection processes, and steps needed to obtain formal release from the guarantee.
The document discusses an "Asset Income Plan" that allows homeowners and business owners to access the equity in their property to earn quarterly income payments without debt, interest payments, or loss of title to the property. It involves placing a charge on the property that is assigned to insurance companies to help them increase capital reserves as required by EU regulations. This allows the insurance companies to afford paying the property owners a quarterly income in return. The plan aims to benefit both property owners and insurance companies.
This document contains information about sharing financial decisions with a spouse. It discusses how investing in a spouse's name can help cut taxes. Specifically, it provides four tax-efficient strategies for couples, such as investing in tax-free investments like the Public Provident Fund or equity mutual funds to avoid additional tax liability. The document also discusses how gifting gold jewelry instead of cash to a spouse does not generate any taxable income.
The document is an advertisement for the National Credit Federation, which claims to help improve members' credit scores and access to loans/credit through an attorney-facilitated credit challenge program. It promises to help remove negative items from credit reports in multiple rounds by legally challenging creditors and credit bureaus. Members pay a monthly or lump sum fee to gain services like credit report disputes, credit score tracking, and access to attorneys. The organization aims to shift perceptions about the validity of negative credit reporting.
Bankruptcy Canada - Who Are These People Making Collection Calls Bankruptcy Canada
油
You might owe money to creditors and are receiving collection callsat home, at work, and on your cell phone. It is quite common for a consumer with one debt to get collection calls from multiple sources over the space of a few days. The fact that you might be receiving collection calls from more than one organization in relation to a single debt can be confusing and add to your stress level. Who are these people who are calling you demanding payment of your account?
Other than arranging for a hearing in front of TVs Judge Judy, one can either collect the debt themselves or resort to a Judgment/Small Claims Collections Specialist. A fee of 50% of the judgment is the standard collection fee charged by someone in the judgment/small claims reclamation business. The legal status of the court rendered obligation to pay becomes a discounted note that the agent negotiates with the plaintiff. With a course you can do it yourself or for others.
Debt Advisory Hotline is an Australian owned and based company with a focus of providing tailored debt solutions to people with debt commitments that have become unmanageable & want to unlock their financial freedom.
Staff at Debt Advisory Hotline are highly experienced and qualified to assist in finding, creating and providing positive solutions to ease clients' financial worries and they are motivated to genuinely assist clients by offering affordable, attractive and viable alternatives for anyone experiencing financial distress.
This document outlines 9 devastating mistakes that entrepreneurs often make when financing their businesses. These mistakes include using personal credit cards or loans to fund business expenses, putting personal assets like homes or savings at risk, not properly separating personal and business credit, making late payments, rushing the process of building corporate credit, not following up on credit building steps, and not recognizing opportunity costs when profits or credit come in. The document encourages entrepreneurs to properly incorporate their business, build separate corporate credit over time, and use financing strategically to grow the business rather than for personal gratification.
The document discusses various types of financial products and lending practices including credit cards, bank overdrafts, personal loans, home equity lending, auto-title lending, informal lending, and peer-to-peer lending. It provides details on what each type of lending involves, how interest is calculated for credit cards and overdrafts, and examples of secured versus unsecured personal loans. The document is intended to present information on these common financial topics.
EAG offers unique solutions for small business owners wishing to pass along their business without those painful estate taxes. Estate Advisors Group offers options for planning Estates. Wills, Trusts, and a unique combination of both are covered! Minimize the Estate Taxes, Cash Out Options, Plan for the Future with EAG! Learn more at http://estateadvisors.blogspot.com/ or http://estateadvisor.wordpress.com
Also on YouTube:http://www.youtube.com/watch?v=TgBPlYeUNyI
I want to help as many people become financially independent as possible. Stop loosing your money to the bank. This is a strategy that has been around for a very long time using a vehicle that has been around for over 100 years.
A comprehensive guide to managing your commercial B2B needsDebt Nirvana
油
Managing commercial B2B needs involves navigating the complexities of business debt recovery laws. In the realm of commercial debt collection, businesses must adhere to regulations set by the Commercial Collection Agency Association (CCAA). Unlike consumer debtors, commercial debtors enjoy protection from unfair debt collection practices. The CCAA establishes standards for ethical debt collection, and certified agencies must meet stringent criteria. Commercial credit, distinct from consumer credit, involves loans between businesses and can be sent to collection agencies in cases of non-payment. The process typically includes a demand letter, legal debt collection proceedings, contact and investigation strategies, and, as a last resort, transferring the debt to a collection agency. While the Fair Debt Collection Practices Act does not cover commercial debt, the CCAA ensures businesses have guidelines to follow. For expert assistance in managing commercial credit, businesses can contact Debt Nirvana at +91-9810010294 or via email at rvm@debtnirvana.com. This proactive approach enables businesses to recover debts without jeopardizing relationships with clients.
This document provides an overview of Islamic financing models and cooperatives. It describes the Islamic Cooperative Housing Corporation, established in 1980, as the first Islamic financial institution in North America. The co-op uses a Musharikah Mutanaqisah (diminishing partnership) model to provide affordable, interest-free home financing to members over 10-12 years. It has helped over 800 families purchase homes and has over 4,600 members. The document outlines the co-op's operations and shares the success of similar models being adopted in other communities. It concludes by describing the Ansar Financial Group and its various Islamic financing services and real estate projects.
Our firm provides small business lawyers with focused and thorough service for all of our clients. Accordingly, from the moment you contact our firm, you will deal directly with your attorney.
THE EFFEACT OF FOREGIN AID ON ECONOMIC GROWTH IN ETHIOPIA(BALEMLAY ADDIS).pdfBALEMLAY ADDIS
油
This study examines the effect of foreign aid on Ethiopias economic growth from 1991 to 2023 using an Autoregressive Distributed Lag (ARDL) model. The findings confirm a positive and significant relationship between foreign aid and Real GDP in both the short run and the long run, though with varying magnitudes.
In the long run, official development assistance (ODA), foreign direct investment (FDI), exchange rate, and human capital significantly contribute to economic growth, while labor force participation has a negative effect. Political stability does not have a statistically significant impact on long-run economic growth. The results indicate that sustained foreign aid inflows enhance capital accumulation and structural transformation, supporting long-term economic expansion.
In the short run, foreign aid, FDI, exchange rate, and human capital positively influence economic growth, while labor force participation exhibits a negative short-run impact. Political stability remains statistically insignificant. The estimated error correction term suggests that deviations from long-run equilibrium are corrected at an annual adjustment rate of approximately 61.4%.
Diagnostic tests confirm the robustness and reliability of the model, underscoring the validity of the estimated relationships. These findings highlight the multifaceted role of foreign aid in Ethiopias economic growth, emphasizing the importance of efficient aid allocation, institutional quality, and long-term economic planning.
Keywords: Foreign aid, Economic growth, Ethiopia, ARDL model, Real GDP, FDI, Human capital, Exchange rate, Institutional quality, Long-run equilibrium, Short-run dynamics.
Cash Flow Secrets Every Upskilled CPA Should KnowAggregage
油
https://www.accountantadvocate.com/frs/27748764/cash-flow-secrets-every-upskilled-cpa-should-know
Upskill your cash flow expertise! Discover the strategies CPAs need to shift from reactive to proactive financial management, build resilience, and deliver greater value.
Team Pera Ache, Chill Nai presented this idea at Hult Prize at IUB (On Campus Round) and won 1st Runner Up position.
Core idea is to make financial inclusion more accessible for remote farmers in Bangladesh and other developing nations.
Reach out at - rahatalmamun20@gmail.com
Qryix Insights: Spanish Banks and Ethers Crash Reshape CryptoQryix
油
On March 10, 2025, two seismic events are reshaping the cryptocurrency landscape: BBVA, a Spanish banking titan, gaining approval to trade Bitcoin (BTC) and Ethereum (ETH), and Ethers abrupt 20% crash, shattering a critical bull trendline, as reported by CoinDesk. Leveraging advanced analytics, these developments reveal a complex narrativeBBVAs move signals traditional finances growing embrace of digital assets, promising increased liquidity and mainstream capital, while Ethers plunge, driven by panic selling and liquidations, tests market resilience following the Terra 2022 fallout. Real-time X sentiment analysis and historical trends highlight a clash between institutional adoption and volatility: BTC stabilizes under TradFi interest, whereas ETHs dramatic swings draw traders seeking opportunity. This exploration breaks down BBVAs impact, Ethers fall, and the broader market implications, offering a clear, professional perspective on cryptos evolving interplay of stability and uncertainty, free of hype, for those navigating this dynamic space.
1. FOR A FREE, NO OBLIGATION CONSULTATION,
CALL US TODAY AT:
1-866-736-3069 OR 305-677-0022
www.AssociationFinancial.com
息 2010 Association Financial Services, L.C.
WRITE-OFF RECOVERY
DONT LEAVE MONEY ON THE TABLE!
Let us pursue the former unit owner and collect the amount not paid by the bank when they
took title.
Has your community association written off bad debts due to the 鍖rst mortgagee taking title to a
unit? Allow our Write-Off Recovery
team of skilled attorneys and collections professionals to recover every dollar
owed your association on a 100% contingency fee basis. Well also pay 100% of the collection and legal costs and
collect these in addition to the total claim.
Community associations are leaving thousands of dollars on the table due to 鍖rst mortgagees (banks) taking title to
units and claiming statutory limit of the amounts due. But the original owner of the unit who incurred the debt may still
be liable for that amount. AFS can pursue those owners at no cost to the association. AFS will make an investment
in this recovery to bring the money back to the association. If we dont collect, the association pays nothing. It costs
the association nothing to get started. The association has nothing to losebut the opportunity to
receive money it isnt expecting.
Dont delaydue to a statute of limitations, we need to get started today, or the association
could miss out on this opportunity forever.
Association Financial Services specializes in debt collection for community associations. Our Write-Off Recovery
solution is perfect for community associations that dont want to take the risk of paying the high legal costs necessary
to recover the debt, not knowing if they will ever get that money back. AFS is experienced in collecting aged,
unsecured consumer debt. We have the resources, expertise and insight to collect more for our community
association clients than a traditional debt collector.
LET US EARN YOUR BUSINESS!