Options for Financing the Purchase of a Website
Reprinted with permission of VotanWeb.com
Financing a website purchase, or getting cash for a down payment can take many forms. Hopefully the options listed below will give you some ideas where you can find the money to buy a website!
Credit Cards - many buyers these days are tapping their credit cards for their down payment to buy a website. The downside of this option is that if you are getting an SBA loan to buy a website, they won’t let you use “a credit card/loan – borrowed money” for the down payment. Other than that this option works for many since there is no waiting for the money or cumbersome approval process.
SBA Loans – Many websites today are purchased with 7(a) SBA loans. There are conditions however in getting one to buy a website. You still have to put down between 15%-30% depending on the lender, you must have good or excellent credit, and the website has to have sufficient cash flow to support the debt service of the loan. The loans are typically 10 years in duration and 2-3 points above the prime interest rate. The process of getting an SBA loan to buy a website can be a tedious one and can take one month to six months to complete/fund.
Home Equity – With home equity growing rapidly, many buyers utilize these funds to either buy a website or utilize it for a down payment. Lenders are eager to give out home equity loans. Loans can usually be secured rather rapidly, but plan ahead and move quickly so you don’t miss out on any great websites that come out on the market for sale.
Owner Financing – This form of financing is only applicable we=hen you have a willing website owner. Usually the buyer will put down 40 to 60% (utilizing one of the methods above), and the owner will carry back a note for a duration of usually two to five years. Interest rates vary but they usually will be higher than banks or commercial resources. Sometime there will be “combo” financing with the owner taking back a partial note and the rest of the financing will come from the above resources.
Retirement Plans – Many buyers have built up sizeable amounts in their work 401(k) plans. There is a way to tap this money tax free – put it into a “special trust” that then buys the website for you.
An SBA business loan is one of the most popular methods of funding a small business. Basically, this type of loan offers banks a guarantee on any small business loan, giving banks more reason to approve the loan.
Holmes explained that he was really concerned with both theorizing social categories and their relationships with bodies and with the possibility that suffering might be alleviated in a more respectful, egalitarian, and effective manner. Additionally, he cites Kleinman’s writings on illness narratives and the explanatory models of patients as well as Farmer’s essays on pragmatic solidarity and structural violence. Kleinman’s work focuses on the ways in which patients somatize social realities and on the importance of clinicians listening to their patients understandings of illness. Farmer’s work basically explains the importance of structural determinants of sickness and calls for more equal distribution of biomedical resources. Moreover, chapter
...ational Trust website also provides an online shop from which anyone can buy gifts as wide-ranging as farm products, cards and craft items.
In the book The Illness Narratives, Kleinman begins the chapter by talking about how in his writing, the words illness and disease have different meanings. When he uses the word illness, he is referring to the innately human experience of symptoms and suffering. According to the book, illness problems are the principal difficulties that symptoms and disability create in our lives. An example is when we have a headache and it makes it hard to think, resulting in frustration when trying to get work done. Sometimes we feel angry when people can’t see our pain and think that we are overexagerrating. As a result, we feel the need to prove to them that we are in pain. When this happens, people can lose their hope in getting better and become depressed.
Before considering it a biomedical construct, illness is a human experience, deeply rooted in the social and cultural context in which we live. Besides clinical disease definitions; health problems are experienced at different levels in the life of each person. The whole course of an episode of illness, from its first sow until the therapeutic approach is felt different by each particular individual, shaped by multiple coordinated of his life. The identification, investigation and deepening of aspects of diseases is a favourite object of study of more than many social disciplines, among which sociology and health studies.
Buying a home is more complex then most think. A purchaser of a home doesn't pay in cash when buying a house. If that were so, then nobody would be able to afford one. A potential buyer must get a loan. The bank doesn't lend their money to just anybody, so there are prerequisites before a buyer should consider buying a home. The potential buyer must have enough money for a down payment which is 3% to 20% of purchase price, a steady job with for at least two years or more, must have a decent credit score with at least a 640 or better. That is standard for the market. (1) The credit score is based on the FICO score. FICO stands for, Fair Isaac Corporation, a company that has been in business since the early 1950's and monitors consumers' credit ratings and put a scoring system on it. (2) Conventional loans are usually financed up to eighty to ninety percent with a down payment required of ten to twenty percent. The potential buyer must also have a debt ratio not exceeding 28/39 of their income. The first number 28 refers to your new mortgage payment that cannot exceed 28% for your gross combined income and 39 refers to your mortgage payment plus revolving and installment debt as well as taxes and insurance cannot exceed 39% of you total combined gross income (3).
Adelman, P. J., & Marks, A. M. (2010). Entrepreneurial finance. (5 ed.). Bedford, Texas: Prentice Hall.
Society tends to define people as being either victims or villains due to the actions, beliefs and decisions present in their lives. In the Merchant of Venice, this separation between those good and evil is existent in the Venetian community, especially for the character of Shylock. Although one may think that Shylock is a victim in this play, as a result of other’s wrong-doing, Shylock is rather a villain because he conspired to kill Antonio through his bond, wished to see his daughter dead for him to retain his wealth, and refused to show even mercy so as he could get his revenge on Antonio. It is through such destructive intentions Shylock possessed, having a negative impact on other characters in the play, which designates him as a villain.
Hayden & van der Riet indicate narratives provide context that can offer a profound and comprehensive examination of a person’s experience. Living with a chronic illness or enduring an acute illness can be a life-changing experience and these accounts of illness are interpretations of an individual’s understanding of their situation, reflected by environments, such as hospitals, preceding illness and life experience. Henceforth a person’s narratives provide a deep thorough view of their illness experience and inform how we can best deliver future
Do you understand what can happen due to the lack of sex education? Teenage girls are becoming pregnant and mothers at a very young age. Mostly everyone participating in sexual intercourse is acquiring sexually transmitted diseases. The lack of sex education to students and young people bring many problems to them. If these people were to be educated about this matter, it is possible to avoid all the consequences that come with sexual intercourse.
Borrow long-term loans from local banks – These are a common way of financing major purchases of an organization. An advantage is that it is directly linked to an organizations operating capacity. Another advantage of long-term loans from local banks is that it enables a firm engage in large projects. Although its disadvantage is that the banks charge high interest rates.
Sexuality has so much more to do with not having sex than it does actually having sex. Those who have had a comprehensive sex education would understand this. Those who are unfortunate to not have had comprehensive sex education would not understand this. Comprehensive sex education is not limited to not only sexual behaviors but encompasses a whole ray of topics. Furthermore, the comprehensive method supports young people by giving them the knowledge and skills they need in order to have healthy sexual lives. Research has revealed that comprehensive sex education has positive results in reducing unprotected sex, teen pregnancies, and STI’s (Starkman and Rajani 2002). So why not comprehensive sex education? This paper will evaluate both comprehensive sex education and abstinence-only sex education.
Adolescent pregnancy is a crisis that inadvertently affects all. It is not only a burden to the young woman and her family, but it also has a consequential impact on society. Reducing the number of adolescent pregnancies would promote child well-being and decrease child poverty statistics (“National Data”). Increasing the number of comprehensive sex education courses would help young people learn how to better protect themselves against premature pregnancy and STDs, and in turn curtail the number of teenage pregnancies.
If comprehensive sex education is offered at schools to children, it will allow them access to more information that if the parent tried to educate them. The reasons for this are that the teachers are specially trained to teach the children this information in a way that they can understand. Having this class at schools also provides the children with textbooks which offer even more things like drawings, diagrams and accurate information about sex education. Making sure teen have accurate information about sex important making sure that they are ready for sex instead of leaving them guessing or worst using inaccurate information.
Having a website is a necessity nowadays, especially for people who are in business. Having a website helps promote your company’s services, for consumers to view and research your products easily, and also because internet is universal, people worldwide could purchase your products. Aside from business purposes, a website could also be built for personal use. If you’re into blogging, you can have your own site to express everything you want or feel; a website could also be used to inform people. Due to technology’s fast evolution, creating a website is now a very simple task even for those who have no background in web designing, all you need is a working computer and an internet connection and you’re ready to create your very own site!