<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Financial News &#187; Business</title>
	<atom:link href="http://www.cowsultants.com/category/business/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.cowsultants.com</link>
	<description>Cowsultants.com focuses on business, finance, banking, career, credit, and debt.</description>
	<lastBuildDate>Sat, 31 Jul 2010 02:23:18 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0</generator>
		<item>
		<title>Get a Virtual Office for Your Korean Business!</title>
		<link>http://www.cowsultants.com/get-a-virtual-office-for-your-korean-business/</link>
		<comments>http://www.cowsultants.com/get-a-virtual-office-for-your-korean-business/#comments</comments>
		<pubDate>Sat, 31 Jul 2010 00:22:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Korean]]></category>
		<category><![CDATA[Office]]></category>
		<category><![CDATA[Virtual]]></category>

		<guid isPermaLink="false">http://www.cowsultants.com/get-a-virtual-office-for-your-korean-business/</guid>
		<description><![CDATA[It&#8217;s very common nowadays for Korean businesses, big and small, to do business with Americans. The Internet and other communication technology have facilitated easy international communication and inexpensive global marketing. Even so, when you&#8217;re dealing with an overseas company you like to establish their credibility before you place your order. When dealing with American companies, [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s very common nowadays for Korean businesses, big and small, to do business with Americans. The Internet and other communication technology have facilitated easy international communication and inexpensive global marketing. Even so, when you&#8217;re dealing with an overseas company you like to establish their credibility before you place your order. When dealing with American companies, many overseas buyers are careful to check that they&#8217;re dealing with a legitimate company – preferably one with a verifiable street address. Americans are just as careful when buying from overseas firms.</p>
<p>If your main business location is in Korea and you&#8217;re not in a financial position to open your own office overseas, there&#8217;s no reason for you to miss out on tapping into one of the biggest marketplaces in the world. Obtaining a legitimate and verifiable <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://manhattanvirtualoffice.com/">virtual office</a> address and telephone number is easy.</p>
<p>Having a <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://manhattanvirtualoffice.com/">virtual office</a> in a major business center isn&#8217;t as expensive as you might think. For just $25 a month you can have a virtual office address in Manhattan for your business cards and website. Should anyone stop in at your office address they&#8217;ll be greeted by staff at our reception and a message will be taken.</p>
<p>You can choose from other services too – like mail forwarding and a local Manhattan telephone number with a messaging service or live answering. Mail and telephone messages can be forwarded to you promptly and should you need anything faxed in the US, our staff will be happy to help you. Your clients will never imagine you are working overseas.</p>
<p>If you&#8217;re at a level where you travel internationally to meet clients, your virtual office can become your physical office space too. VH International Business Solutions&#8217; has meeting spaces and private office space that are available at a low cost for temporary usage – so you can meet your prospective American clients at your New York <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://manhattanvirtualoffice.com/">virtual office</a>!</p>
<p>Having a virtual office address overseas can enhance your international business prospects and give you increased credibility. If you&#8217;re planning on expanding in 2010, why not dip your toe into international waters with a New York office? With VH International Business Solutions&#8217;s virtual office service at $25 a month, there&#8217;s little to lose and much to gain!</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.ManhattanVirtualOffice.com">VH International Business Solutions, Inc.</a> Since 1990. Offering unbeatable service to individuals, small and mid sized local companies; as well as larger domestic and international firms seeking to establish a presence in the U.S., and particularly in the New York market. As the pioneer of offering <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.manhattanvirtualoffice.com">Virtual Office</a> services online in New York City, we are the leader and have the most expertise of working with local and global businesses when entering the New York marketplace. While others emphasize services, we emphasize service. <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.ManhattanVirtualOffice.com">Manhattan Virtual Office</a> How can VH International Business Solutions help you? Tel: 1.212.627.8900 Fax: 1.646.861.6610 Since 1990.</p>
</div>
<img src="http://www.cowsultants.com/?ak_action=api_record_view&id=1692&type=feed" alt=" Get a Virtual Office for Your Korean Business!"  title="Get a Virtual Office for Your Korean Business!" />]]></content:encoded>
			<wfw:commentRss>http://www.cowsultants.com/get-a-virtual-office-for-your-korean-business/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Give Your Home Based Business a Boost with a Virtual Office</title>
		<link>http://www.cowsultants.com/give-your-home-based-business-a-boost-with-a-virtual-office/</link>
		<comments>http://www.cowsultants.com/give-your-home-based-business-a-boost-with-a-virtual-office/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 16:22:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Based]]></category>
		<category><![CDATA[Boost]]></category>
		<category><![CDATA[Give]]></category>
		<category><![CDATA[Home]]></category>
		<category><![CDATA[Office]]></category>
		<category><![CDATA[Virtual]]></category>

		<guid isPermaLink="false">http://www.cowsultants.com/give-your-home-based-business-a-boost-with-a-virtual-office/</guid>
		<description><![CDATA[Having a successful home based business is a truly wonderful experience and most home based business operators have no desire to move into office space at all â?? but the fact is that having an office address can give your business greater credibility and the illusion of being a more professional operation, and boost your [...]]]></description>
			<content:encoded><![CDATA[<p>Having a successful home based business is a truly wonderful experience and most home based business operators have no desire to move into office space at all â?? but the fact is that having an office address can give your business greater credibility and the illusion of being a more professional operation, and boost your turnover. Most home business operators could use a little of that!</p>
<p>The good news is that you can have it all. For less than $30 a month you can have a <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://ww.manhattanvirtualoffice.com/">virtual office</a> from VH International Business Solutions at a fabulous street address that you&#8217;ll never have to go to. For a little extra you can have a New York telephone number that will divert to the comfort of your home or a message service from which you can collect your messages when it suits you.</p>
<p>Imagine having a prestigious office address, a New York &#8220;presence&#8221; for your home based business â?? and still being able to slide out of bed just when you like, eat a leisurely breakfast then stroll into your home office dressed just as casually as you like. You&#8217;ll check for messages from your <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://ww.manhattanvirtualoffice.com/">virtual office</a>, then get to work!</p>
<p>You&#8217;ll be able to use your virtual office business address from VH International Business Solutions on your cards and website, giving prospective clients an excellent impression.</p>
<p>If you have prospective clients in New York you can even arrange to meet them at your office address! Simply book an office for the nominated time and set yourself up comfortably in there â?? your clients will be greeted at our reception area and escorted to your office. When you&#8217;re done, it&#8217;s back home to the casual clothes and flexible time schedule you&#8217;ve come to love!</p>
<p>Seriously, who&#8217;d want to work in an office full time when you can have a home based business and a New York <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://ww.manhattanvirtualoffice.com/"> virtual office</a> from VH International Business Solutions?</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.ManhattanVirtualOffice.com">VH International Business Solutions, Inc.</a> Since 1990. Offering unbeatable service to individuals, small and mid sized local companies; as well as larger domestic and international firms seeking to establish a presence in the U.S., and particularly in the New York market. As the pioneer of offering <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.manhattanvirtualoffice.com">Virtual Office</a> services online in New York City, we are the leader and have the most expertise of working with local and global businesses when entering the New York marketplace. While others emphasize services, we emphasize service. <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.ManhattanVirtualOffice.com">Manhattan Virtual Office</a> How can VH International Business Solutions help you? Tel: 1.212.627.8900 Fax: 1.646.861.6610 Since 1990.</p>
</div>
<img src="http://www.cowsultants.com/?ak_action=api_record_view&id=1689&type=feed" alt=" Give Your Home Based Business a Boost with a Virtual Office"  title="Give Your Home Based Business a Boost with a Virtual Office" />]]></content:encoded>
			<wfw:commentRss>http://www.cowsultants.com/give-your-home-based-business-a-boost-with-a-virtual-office/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Best Blackberry Apps for business users</title>
		<link>http://www.cowsultants.com/best-blackberry-apps-for-business-users/</link>
		<comments>http://www.cowsultants.com/best-blackberry-apps-for-business-users/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 08:22:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Apps]]></category>
		<category><![CDATA[Best]]></category>
		<category><![CDATA[Blackberry]]></category>
		<category><![CDATA[users]]></category>

		<guid isPermaLink="false">http://www.cowsultants.com/best-blackberry-apps-for-business-users/</guid>
		<description><![CDATA[I think that even Blackberry owners would have to admit that the apps available for Blackberry mobile phones are far outstripped in choice, quality and price by those available for the i-phone. Nonetheless, there are some great apps out there for Blackberry business mobile phone owners and here are our pick of the best. Evernote [...]]]></description>
			<content:encoded><![CDATA[<p>I think that even Blackberry owners would have to admit that the apps available for <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://mobilephones.businesssavingsadvice.co.uk/category/handsets/rim-blackberry/" title="Blackberry mobile phones">Blackberry mobile phones</a> are far outstripped in choice, quality and price by those available for the i-phone. Nonetheless, there are some great apps out there for Blackberry business mobile phone owners and here are our pick of the best. <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://mobilephones.businesssavingsadvice.co.uk/wp-content/uploads/2010/04/Blackberry-business-app-evernote.png"></a></p>
<p>Evernote is a multimedia capable electronic notebook. You can take text notes, ideas, and the results from your company brainstorms, you can also store audio files, photos, such as snapshots of your whiteboard following business meetings or in many of the modern style gastro pubs you can take a shot of the big blackboard menu and take it back to your table for everyone to have a look at. As well as this you can record audio from interviews and talks or presentations. You can take these files from either your desktop or your phone, you can then search through them later.</p>
<p>ExpenseLog Pro is a relatively cost-effective system for businesses who need to manage their expenses on the go. It is easy to set up and you can use for your team within minutes.Great for businesses where your team all have Blackberry smartphones.</p>
<p>Voice on the Go helps to increase the amount of time that you can spend communicating on your Blackberry mobile phone, this can increase productivity. You can email, search contacts, listen to appointments and reply by voice while driving safely.</p>
<p>The Copy2Contact application by Anagram Technologies can take information from calls, emails and text messages and copy that information to your contacts. This means that you can work faster and harder by doing more on the move and having more information easily at your disposal. This application takes all of the information and transforms it into a new or updates an existing contact. If an appointment time and place are discussed at a meeting then this Blackberry business app can transfer that information to your BlackBerry calendar.</p>
<p>Telenav is the Blackberry&#8217;s best (we feel) GPS Navigator™. You get very clear and simple voice and onscreen driving and walking directions with automatic rerouting and full-color 3D moving maps that display your current location.</p>
<p>WiFi File Transfer App WiFi File Transfer App helps workers to instantly send files from BlackBerry to computer, computer to BlackBerry, or BlackBerry to printer. So, print the emailed directions while leaving the room, bring an unfinished document or list of phone numbers, you can fill out and print a contract over a WiFi network at your client&#8217;s office. Impatica Impatica allows you to deliver graphically rich, animated Microsoft® PowerPoint® presentations to your colleagues and external clients through BlackBerry smartphones.</p>
<p>Call time tracker is designed to improve the efficiency of client relationships. it allows you to log the amount of time that you spend on each of your clientsthe app pops up between calls and emails and asks the user to allocate which client and project their calls relate to. It will even assist with emails sent from the mobile phone; tracking time spent writing to clients. With the monthly report generated and sent via email, this is great for at least understanding which clients you spend your time on so you can then quickly interpret where you need to re-focus your time.</p>
<p>Google Maps A great free app that is perfect for finding your way to meetings and to social engagements of for helping explain to others how to get to you familar destinations through quickly saving and sending a map from your Blackberry mobile.</p>
<p>One thing that has been interesting about Blackberry Apps for business is the number of vertical specific ones &#8211; take a browse through to see what is available for the industry that you work in.</p>
<p>Of course there are thousands more apps for Blackberry mobile phones that will save you and your business time and money. To browse all go to Blackberry App World. Problem is, if you are just wanting to browse and do not own a Blackberry mobile phone then you are going to find it difficult getting in. This link will get you in the backdoor to the business mobile phone apps for <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://appworld.blackberry.com/webstore/category/12" title="Blackberry App World">Blackberry app world</a>.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p>Business Savings Advice is blog that aims to help small and medium sized UK businesses to save money on the services that are vital to their operations. This particular blog is about <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://mobilephones.businesssavingsadvice.co.uk/" title="Business Mobile Phones">business mobile phones</a> and includes reviews of new handsets as well as special offers from the 5 main providers as well as some resellers</p>
</div>
<img src="http://www.cowsultants.com/?ak_action=api_record_view&id=1686&type=feed" alt=" Best Blackberry Apps for business users"  title="Best Blackberry Apps for business users" />]]></content:encoded>
			<wfw:commentRss>http://www.cowsultants.com/best-blackberry-apps-for-business-users/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Comparing Offers from Banks for Business Lines of Credit</title>
		<link>http://www.cowsultants.com/comparing-offers-from-banks-for-business-lines-of-credit/</link>
		<comments>http://www.cowsultants.com/comparing-offers-from-banks-for-business-lines-of-credit/#comments</comments>
		<pubDate>Fri, 30 Jul 2010 00:24:07 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Banks]]></category>
		<category><![CDATA[Comparing]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[From]]></category>
		<category><![CDATA[Lines]]></category>
		<category><![CDATA[Offers]]></category>

		<guid isPermaLink="false">http://www.cowsultants.com/comparing-offers-from-banks-for-business-lines-of-credit/</guid>
		<description><![CDATA[If you have a well developed business plan, strong credit, and reasonable collateral then it should not be unrealistic for you to obtain a business line of credit or revolving credit facility. Once you have been accepted by a number of banks or finance companies for a business LOC then it is time to determine [...]]]></description>
			<content:encoded><![CDATA[<p>If you have a well developed business plan, strong credit, and reasonable collateral then it should not be unrealistic for you to obtain a <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.BusinessLOC.com">business line of credit</a> or revolving credit facility. Once you have been accepted by a number of banks or finance companies for a business LOC then it is time to determine which company has offered you the best terms. Foremost, you should look at the interest rate offered by the financial institution. It is a fixed rate credit line or will the interest rate increase/decrease with changes in the general economy.</p>
<p> </p>
<p>Other considerations to factor into your decision regard the covenants regarding the credit line. Is the business LOC unsecured or is it secured by a piece of property that you have put up as collateral? Will you be required to personally guarantee the credit line? Additionally, many banks/financing companies require that your business (or your income) maintain a certain minimum level during the time that you are granted access to the revolving credit facility.</p>
<p> </p>
<p>One of the other considerations that you must take into account is the nature of the credit line itself. If you draw down the line, what will be the repayment term? Will the business line of credit convert to a normal loan after the terms of the credit facility has expired?</p>
<p> </p>
<p>One of the final considerations that you should take into account is if the business credit line of credit secured by your personal guarantee – how will the use of the credit facility impact your personal credit score? This is especially important if you have ongoing personal credit needs (such as property loans, credit cards, or car loans).</p>
<p> </p>
<p>Once accepted for a business LOC, these are all questions that you must carefully consider when entertaining offers from a bank or finance company. If you have having difficulty making the proper determination based on the offers that you have received then it may be in the best interest for you to bring the proposals to your accountant who can assist you in making the best determination for both you and your business.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.businessloc.com/">Business LOC</a> is a specially designed website for entrepreneurs that are seeking to raise capital for their startups, small businesses, and expanding existing businesses. The focus of the site is on <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.businessloc.com/">Business Lines of Credit.</a></p>
</div>
<img src="http://www.cowsultants.com/?ak_action=api_record_view&id=1684&type=feed" alt=" Comparing Offers from Banks for Business Lines of Credit"  title="Comparing Offers from Banks for Business Lines of Credit" />]]></content:encoded>
			<wfw:commentRss>http://www.cowsultants.com/comparing-offers-from-banks-for-business-lines-of-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Secured Vs. Unsecured Business Line of Credit</title>
		<link>http://www.cowsultants.com/secured-vs-unsecured-business-line-of-credit/</link>
		<comments>http://www.cowsultants.com/secured-vs-unsecured-business-line-of-credit/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 16:22:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Line]]></category>
		<category><![CDATA[Secured]]></category>
		<category><![CDATA[Unsecured]]></category>

		<guid isPermaLink="false">http://www.cowsultants.com/secured-vs-unsecured-business-line-of-credit/</guid>
		<description><![CDATA[The primary difference between a secured and an unsecured business LOC is that a secured credit facility has underlying collateral of which a bank or finance company can claim if you default on your credit line. As we have seen in previous articles, the collateral that can be used to secure a line of credit [...]]]></description>
			<content:encoded><![CDATA[<p>The primary difference between a secured and an unsecured <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.BusinessLOC.com">business LOC</a> is that a secured credit facility has underlying collateral of which a bank or finance company can claim if you default on your credit line. As we have seen in previous articles, the collateral that can be used to secure a line of credit can vary greatly. Collateral can include but is not limited to:</p>
<p> </p>
<p>Property owned by your business or personally<br />
Equipment owned by the business<br />
Accounts receivables<br />
The general cash flow of your company (although this is semi-secured).</p>
<p> </p>
<p>With an unsecured line of credit, there is no collateral involved. Again, this type of business LOC is highly akin to a credit card. Your income and your personal/business credit are the factors considered when applying for this type of credit line.</p>
<p> </p>
<p>The primary benefit of using a secured line of credit is that the interest rate is typically far lower than that of an unsecured credit facility. Again, in the event of default, a secured line provides the bank/finance company with a great deal of security as you have pledged a tangible (and saleable) asset that the bank can use to recoup their debt investment. With an unsecured business line of credit, the granting financial institution has far less flexibility when attempting to require the funds that they originally lent to you.</p>
<p> </p>
<p>As such, and if it is possible, you should try to obtain a secured business LOC. This will ensure that should something go wrong with your business – you have spelled out exactly what you stand to lose to the bank. However, it should be noted that if the collateral that you have pledged depreciates in value during the duration of the revolving credit facility then you will still owe the balance of what was recouped versus what was borrowed.</p>
<p> </p>
<p>It should be noted that while obtaining an unsecured credit line is certainly possible, the current lending environment has caused almost all banks to now require substantial collateral for obtaining a business line of credit.</p>
<div style="margin:5px;padding:5px;border:1px solid #c1c1c1;font-size: 10px;">
<p><a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.businessloc.com/">Business LOC</a> is a specially designed website for entrepreneurs that are seeking to raise capital for their startups, small businesses, and expanding existing businesses. The focus of the site is on <a rel="nofollow" onclick="javascript:pageTracker._trackPageview('/outgoing/article_exit_link');" href="http://www.businessloc.com/">Business Lines of Credit.</a></p>
</div>
<img src="http://www.cowsultants.com/?ak_action=api_record_view&id=1683&type=feed" alt=" Secured Vs. Unsecured Business Line of Credit"  title="Secured Vs. Unsecured Business Line of Credit" />]]></content:encoded>
			<wfw:commentRss>http://www.cowsultants.com/secured-vs-unsecured-business-line-of-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
