New SBA Small Business Loans? How to Use Them to Pay Off Credit Card Balances
Every corner we turn lately seems to bring more bad economic news. But it does have one positive aspect. More and more, our Congress, President Obama, and the everyday American citizen is putting their thinking cap squarely on and coming up with new ideas. New concepts are sparking in both quality and extent. So here’s an idea that is so obvious that one wonders why it has not been placed at the front of the parade: Why don’t we make more government backed SBA loans available?In 1953 the SBA had a simple and brilliant idea. Loans were not flowing as readily to small businesses because of the conservative nature of banks which instead tended to honor the commitments of larger businesses. So the SBA set up a guarantee program whereby a borrower would pay a small fee upon closing and this would be used, like an insurance policy, to pay the bank if there was a default. It’s easy to discern their motive. It was to give the banks more incentive to make loans that were considered less conventional or risky. And it has worked quite well for decades.The response to this might be: “Well so what, the SBA already has such programs and they have been doing so for years, even during the bad economic times. It has not really helped.” Not so fast. Why don’t we take this simple and successful model and expand it? Why shouldn’t we have more loan programs, with more creative terms, and more expensive marketing? Let’s create whole new program specially devised for our present economic times?Talk to any small business lately and it’s only a matter of time when they discuss their high credit card payments that drains cash flow. In simple monetary terms, lines of credit and loans have been unavailable. But a business has to survive and even expand. For those that had good credit, staring them in the face was the availability of thousands of dollars of credit available on their credit cards. They had no choice but to charge and spike their card balances. It worked very well as long as the interest remained at a manageable rate. But then matters changed quickly when available credit was frozen and interest rates were unilaterally raised without further notice. Here is an actual example.Mr. Jones was laid off from an environmental consulting firm and started his own business. At first he operated out of his home and had a low budget. He provided consulting services to medium-sized businesses, primarily measures to save on their energy bills. But he was almost too good, and demand started to increase. He was offered larger and larger contracts that required him to expand and hire more independent contractors. He always paid his bills on time and had good credit, with a credit card company all too happy to offer him a platinum card with a limit of $50,000. Before we knew it, he had outfitted his new office with computers, equipment, signage, advertising–you name it and it was placed on his card. The interest rate was 7.99% and he was able to handle the payments when it reached a balance of $35,000.But one day he received a notice in the mail that changed everything. Without any change in his credits score or payment history, the card company immediately raised his interest rate to 26%, with the amorphous statement it was due to “current economic conditions”. You guessed it. His payments went through the roof. He continues to pay on time, but he is in the hole because most of the interest is going to principal and he can’t keep up.Why don’t we come up with a SBA small business loan program as follows:• Small business loans from $5,000 to $50,000 to be used exclusively for the purpose of paying down debt on credit cards having been used for business purposes. These SBA loans will be guaranteed for 90% so was to give incentive to banks to make the loans.
• As with other SBA loans, this will be made to people that have good credit and have not significantly defaulted on their credit card payments.
• Proof will be made, under penalty of perjury, that the loan is used to pay off only business debts and not personal. It would be up to lenders to come up with a reasonable verification process. For goodness sakes, all you have to do is go to your file cabinet and pull out your monthly statements. Using a highlighter, you can easily calculate how much of your balance was related to business. For the more adventurous, this can even be put on a spreadsheet. The point is, it could easily be confirmed.
• The program would be totally optional to the credit card company.
• If the credit card company consented, any portion of the balanced could be paid off at the rate of, for example, 80%. Since a lot of the balance can be attributed to high interest rates, this would give some relief to the cardholder. Another option. The interest would be rolled back to the interest rate when the card was first issued, plus a cost of living increase. The cardholder would have the option of retiring the principal and interest at that lower rate in one large payment. The card company would have the right to charge its current or higher interest for future purchases. In the meantime, the card company would not have the right to cancel or reduce any existing credit limits then in existence.Why would a credit card company not welcome this? Have you read the data lately? Surveys indicate 37% of banks have increased their credit card rates, compared to 24% in April and 10% in January. Advanta experienced an 83% decrease in earnings in the second quarter, because of massive charge-offs. Capital One’s profits have plummeted to 40% and American Express has been hit with a 38% decrease. Bank of America lost 2.7 billion in credit card losses, 31% more than last year. The choice is suffer more losses and see your cash flow dwindle because people are hardly able to make payments on the interest or pay down principal.In the meantime there is something that can be used to pay down your credit card debt. There is a loan program out there and SBA lenders are actually making loans currently: the Community Express Loan Program. This gives unsecured small business loans between $5,000 and $50,000 with very little paperwork, answers typically in two days, interest rates presently at 7.75%, funding and two weeks, and monies wired directly to your business account. There are still lenders participating in this program, although Congress has failed to make the program permanent and still has a 10% cap on the number of loans. So why don’t we expand that one?This is the time to act decisively and creatively. The old ways of doing business must be dismantled for the new. As a spin-off result, it will reinvigorate the over 27 million small businesses in this country which deserve a break.
Small Business Help In The Form Of An Unsecured Business Loan
How has the economy affected your small business? Many business owners, large and small, are scaling back whether on employee benefits, laying employees off, reducing inventory or asking the government for help. With companies making cut backs society is also left to make changes. Banks are stricter with who they lend money too and credit is tougher to receive. The expansion of small businesses in this economic environment becomes incredibly difficult and leads to many owners calling it quits.There is one major thing between those businesses who will succeed and those that will fail…capital. Many small business owners are getting by with unsecured business loans. With this type increase in funds small businesses can make changes to increase profits and pull themselves into economic recovery. Unsecured business loans can help by providing a flexible, instant boost of cash flow to help with advertising, expansion, equipment purchases, employee retention and many other situations that can arise along with business ownership.As with any business decision that is made there are advantages and disadvantages. The same is true when deciding to get an unsecured business loan. You will want to look into all aspects of the lending process along with institutions that offer these services. Look at the reasons that you are seeking the loan and what value it will bring to the business verse the risks involved with borrowing funds that you don’t have on hand to pay back.Advantages1) A business owner is not required to pull money out of their own pocket as a deposit. Although some loan companies will require an initial fee of an amount under a hundred dollars to go through the loan process.2) Unsecured business loans are great for businesses with high credit rankings but have limited cash. This is why during recessions unsecured business loans are so ideal.3) Cash advances are allowed to be pulled from the loan when needed.4) Repayment of the loan helps build good credit and with flexible repayment options payment plans can be worked easily into a business’s accounts payable.5) The application process and approval time are quick and this can help small business owners turn their businesses around in little to know time.Disadvantages1) Often time’s interest rates are a bit higher than conventional secured loans.2) The repayment plan is shorter than most loans and there are maintenance fees.3) An unsecured business loan is often handed out in smaller amounts than secured loans.A small business that can weather rough financial times and preserver is ahead of the game. As long as business owners remain realistic and flexible they should be met with long term success. With the assistance of an unsecured business loan small business owners with ambition and drive can manage to stay competitive through rough market times and grow during the rebound. Part of growing any business is risk taking and knowing when to call the bluff or fold on the economy. Playing the game of small business owner is not for the faint of heart that is for sure.
What Are Gambling Online Sites
Gambling online sites are simply virtual locations where you can gamble. At these gambling online sites you can play games for money and also bet on others, in general you can basically perform the same activities you would normally in a land based casino. These online casinos have increased their profits tremendously because of the step of making themselves accessible via the internet eliminating the overhead of paying for a building, upkeep of the equipment and paying for employees. At present there are dozens of online gambling casinos.
These gambling online sites provide several offers, such as; if you are a member you get certain privileges. If you are worrying that it may not be the same as in a normal casino – of course it will. The concept and majority of the rules are exactly the same, the only differences would be the lack of distractions that may be present in a normal casino, keep in mind though this should be a good thing. Now there are disadvantages despite all the advantages of gambling online, so I am quickly going to highlight just a few in each area.
Let’s first start with the advantages of these gambling online sites. The first advantage would be no money needed to get a building, when comparing setting up a website to a physical structure the savings are enormous. Another advantage this would be in the favor of the gamers, they can play more than one game at a time. Also when you register with an online casino you are given a welcome bonus, now this cash could be allocated to playing, therefore the individual would not have to take their personal savings to gamble and the winnings could simply be profit.
Now let’s focus on the disadvantages of these gambling online sites. The first disadvantage is the chance of the individual becoming addicted to gambling. Another disadvantage is that anyone and everyone has access to gambling online sites once they have a computer with an internet connection, this would be particularly for teenagers as they use their parents information to gain access and gamble. Now gambling online sites have tried to put up strategies in place which would help in this serious problem but there are still those individuals who slip through the cracks. In closing keep in mind though that gambling online sites are here to stay and are constantly improving and expanding, so remember they can be fun once utilized properly.
Addicted to Gambling
We addictionists divide addiction into substance addictions (alcohol and other mind altering drugs, food, even cigarettes) and process addictions (shopping, gambling, exercise, work, and sex). In and of themselves, none of these substances or processes is “bad”. The problem is the addict and what the addict does with the substance or process. The way an addict is affected by anything potentially mind altering is always different from the way a non-addict is affected. The problem is the addict, not the “drug of choice”.
Normal people, whoever they are, can use substances and processes appropriately without negative consequences. Addicts will abuse (ab-use) any of the above. Addicts may have a favorite substance or process, or several of each, but most addicts are willing and able to use, overuse, and abuse anything available. Many gambling addicts, for example, use alcohol, a little too much food, and regular gambling, all in the service of changing their feelings. At first none of these look like a problem. As the use, the disease (dis-ease, dis-comfort) continues, the blossoming addict covers more and more feelings with the drugs and processes. He may become a little overweight, not do other things he says he wants to do, not be “present” in his relationships, and spend more and more energy on his “hobby”, gambling, along with some drinking and perhaps smoking cigarettes.
Look harmless? Hmmm. Maybe not so much. The harm ranges from distancing himself from emotional presence in his own life and relationships, to obsession with finding ways to gamble more. As it becomes increasingly important, gambling eventually dominates his thoughts and feelings. If he stops gambling for a period of time, he may find that he drinks, smokes, and eats more, substituting those substances and temporarily using them instead of gambling to deal with his underlying discomfort.
Use of any of these are, for him, in the service of covering or changing feelings, providing a “high”, or dealing with emotional and spiritual pain and emptiness. After gambling for a while, the odds usually catch up with him and he looses money. In response, he does not stop gambling, but searches for ways to “do it differently”. He is like the alcoholic who changes types of alcohol…switches to beer and wine only, as he believes the vodka caused problems, failing to see that he, not the alcohol, and certainly not the type of alcohol, is the problem.
For the alcoholic, it is what he does with alcohol and what it does to him that is the problem. “Wherever he goes, there he is!”. Just switching drinks or bars will not help. Bummer! Obsession and compulsion, emptiness and pain, drive addiction. The gambler may change locations or types of gambling but will not stop in response to negative consequences. Compulsive gambling acquires increasing importance and becomes his primary relationship, pushing out much of the rest of his life.
If he decides to “control” his gambling addiction, (normal people don’t have to control their use of any substance or process, they can simply take it or leave it), the addict spends inordinate energy to not gamble on a given day, or after a certain number of hours at the casino or computer, or after a certain amount of money spent, or some other external control. Attempting to control an addiction never works for long. The frequency, intensity, and problems associated with gambling will always resurface, it is just a matter of when; or the addict will switch addictions and become a heavier smoker, heavier drinker, bigger over-eater, workaholic, all of the above or something else…it is just a matter of time. The addict will use any and all processes and substances to cover feelings, taking him away from being emotionally present and trying to fill a void that cannot be filled in this way.
The non-addict does not abuse or overuse and the substance or process does not take over his life. Repeat after me: “It is the addict, not the substance or process, that is the problem”.
Most addicts find that the foundation of a strong recovery is to fill the void with a relationship with a Higher Power; many call this power God. This relationship is free for the asking, the seeking, and the receiving. Try it…nothing to lose but your pain and addiction…and everything to gain, beginning with your self.
To recover, one must stop the addiction, feel the feelings, however painful, deal with them, then heal! It cannot be done alone. Get help!
If you want help for gambling, find a consultant or therapist familiar with recovery from addiction. Gamblers Anonymous is one of the 125 twelve step groups based on Alcoholics Anonymous, the “Gold Standard.” Locate the closest G.A. meeting or use an open meeting of A.A. or Narcotics Anonymous to begin the process of getting free from addiction.
Gambling Addiction Treatment and Help
There are more and more gambling opportunities in the world than in the past. With the advancements in technology there have been more opportunities on the internet in forms of online casinos, or gambling rings. Gambling addiction starts with the individual. There are many who will say that it is not their fault they became addicted, but they are only searching for a scapegoat. Gambling addiction is defined as the inability to restrain yourself from gambling causing you to reap the consequences personally and sometimes professionally. However, there is treatment for such a cause. Some treatments to help with gambling addiction are:
1. Gamblers Anonymous- This is a program that is similar to Alcoholics Anonymous. It is a twelve-step program and is free to obtain recovery from the gambling addiction. The program allows you to rely on a “higher power”. With the extra help, the gamblers anonymous course helps gambling addiction victims conquer their addiction in a healthy manner.
2. Treatment Centers- For those who are unable to stick to the gamblers anonymous program, there are treatment centers that isolate you from the initial threat of gambling. In the treatment centers, you can get rid of your addiction in a less conventional way. With the different methods that treatment centers offer will allow you to see the addiction side of your problem.
3. Environment Withdrawal- The final method in the gambling addiction treatment is without treatment centers and gamblers anonymous. This is through withdrawing yourself from the temptation of gambling. When you do this treatment, it is hard on you. Quitting at once is not always the best method to take. There are times which this is the last resort.
Gambling addiction is not to be taken lightly. It is an addiction that can cause dire consequences that are not always easily mended or not even at all. When you have an addiction, you need to remember to have a support team that is there to help you along the way. Surrounding yourself with people who support your addiction is never the best idea for you. Have people who know how to stay away from that certain type of addiction and introduce other alleys for you to do. When you overcome your addiction, you can feel better about yourself. Overcoming anything not only makes you feel good about yourself, it also boosts the way you view others. Get down to the problem of the gambling addiction and find the right treatment that works for you. In doing so, you will not lose those who you feel close to.
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