It can be seen that women are going the way of starting their business alone and going all the way to establish themselves. Today more and more people are moving away from traditional employments which get oneself a regular paycheck every month. The lenders are providing small woman business loans to set up things initially and manage things for some time before the income from the business starts pouring in.Small woman business loans are of unsecured nature and their rates are slightly higher than normal loans. These loans require no security to be provided by the borrower to the lender. These loans are of crucial help to those not having a large capital base to fund their business on their own. Small woman business loan is also helpful to those who do not have a property of their own which can be placed against any collateral and those who want to start their business from the scratch or wish to expand their existing business with the help of small woman business loan.This loan is designed specifically for self employed women, who want to start a business of their own. One can go for secured loan but that would not be beneficial for those women who are in the initial years of staring their business. One needs to apply for this type of loan with some documents related to business proof. Business profile document is the most important document to be submitted. It contains the details of the business plan and a statement of how one wants to achieve the plan. Another important document which is required for availing this loan is the loan request document. It contains the amount to be borrowed, the period for which the loan is required and any special conditions that one wishes that the lender should bear in mind before issuing the loan amount. One can repay the loan according to one’s convenience. Thus, it ensures flexibility.If one already has an existing business and want to have small woman business loan to expand it, one need to submit the financial statements of the business. These documents contain the balance sheets and statement of the flow of cash among others. Lenders consider these statements to calculate financial position and stability. A clean credit record is mandatory. People with bad credit history like arrears, payment defaults etc are not considered eligible for these types of loans. Some states and cities have loan programs, which are targeted towards providing assistance to women. It should be kept in mind that if one lives in a community property state, then the spouse must also personally guarantee the loan. Application form can be downloaded through online process. It saves time and efforts as there is no paperwork involved in it. These loans are very helpful for women who need funds for starting a business of their own and fall short of funds.
The SearchI recently purchased a book called “The Search” by John Battelle that explores how Google and its rivals rewrote the rules of business and transformed our culture. What really caught my attention was Chapter 7 titled The Search Economy. It related how a small e-commerce store got yanked by the short-hairs when Google made an unexpected algorithm change in 2003 virtually wiped out their business.Google did it again in late 2005, and will no doubt do it again and again and again. Rumor has it that it will happen again in March 2006. Google Giveth, Google Taketh AwayThose of you who are webmasters already know how this happens. Some eager beaver group of Google engineers laid waste to thousands of mom and pop businesses by tweaking Google’s indexing algorithm. These businesses depended on their Google listings for their income and livelihoods. Google giveth and Google taketh away.Knowing that the Google paradigm will always change puts you ahead of the pack; not putting all your marketing eggs in one basket will keep you there.Your unpaid or “organic” rankings in search engines are free. But how many times have you heard the axiom “there’s no such thing as a free lunch.”Starting to get the picture now? Google Still Likes LinksI’ve been getting tons of automated requests for two-way and three-way linking. I can’t believe what these people are thinking. The rules are displayed in black and white on Google’s web site. Allow me to paraphrase “Build pages for users, not search engines.”Here’s a typical email I get every day:Hello Sir/Madam,I’m mailing you for exchanging three-way link with your site. Though we are accustomed with reciprocal link exchange, the fact is that three-way link is always better than reciprocal link exchange, as all search engines give more attention to three-way links.When search engines can’t trace a link back from one site to another it thinks that site is very important so other site is linking to it just like we use Google or yahoo in our website.Do these bozos really believe this?Fact of the matter is you should link to a website that you believe will be of value to your website viewer’s. That’s it. No schemes, no tricks, no 2, 3, 4, 5 or 6 way linking. Provide your visitors good content and good links. Period. Vertical Channels and DirectoriesWeb sites like Global Spec (for engineers) and Find Law (for lawyers) are quasi-vertical advertising channels and global directories. Vertical marketing is a great way to target business in the same genre that you practice and participate. It’s also a great way for regional companies to inexpensively obtain entry into new markets or regions.For web guys like myself, there are similar verticals or directories such as Marketing Tool, Xemion, and Top Web Designers. But here’s the rub. These directories have an unfair advantage in the linking scheme of Google. But who said life is fair.Directories have “muddied the Internet waters.” With so many links from so many sites across so many states, it is the equivalent of being a 500-pound linking gorilla. I keep hoping that the next Google dance will place these linking monsters accordingly, but that has yet to happen. Once everyone catches onto this flawed “link ranking” scheme, a search for any term or phrase in Google will provide you nothing but a page full of directories. Pure SearchThis leads to my next point. Say I have an xyz disease (God forbid). If I search “xyz disease nutrition” in Google, I want to find web sites about xyz disease nutrition, or battling xyz disease with proper diet and so on. I don’t want to see a directory full of re-packaged information, filled with ads, newsletters and other useless directory fluff.I want my search engine to emulate the Library of Congress. Let’s say the librarian says, “Books on xyz disease nutrition are located on isle 700b” on row 3. I stroll over to 700b row 3 and pull out a book that systematically lists all the books on 700b, row 3. Wait a second! This isn’t a book about xyz disease nutrition, it’s a “directory” or reference book that belongs in the “reference section” of the library.Are you listening Google?Maybe Mr. Gates is. Or better yet maybe Mr. Jobs has a trick or two left up his sleeve.
iPod.com today iSearch.com tomorrow.