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Ocean dream lands woman a scholarship.(General News)(Once homeless, a single mother celebrates at the shelter that gave her a start): An article from: The Register-Guard (Eugene, OR) Reviews

Ocean dream lands woman a scholarship.(General News)(Once homeless, a single mother celebrates at the shelter that gave her a start): An article from: The Register-Guard (Eugene, OR)

This digital document is an article from The Register-Guard (Eugene, OR), published by The Register Guard on June 25, 2003. The length of the article is 1050 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase. You can view it with any web browser.

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Title: Ocean dream lands woman a scholarship.(General News)(Once homeless, a single mo

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Tags: Article, Celebrates, Dream, Eugene, From, gave, Homeless, Lands, Mother, NewsOnce, Ocean, RegisterGuard, Reviews, scholarship.General, shelter, Single, Start, Woman

The Woman Entrepreneur: Starting, Financing and Managing a Successful New Business

The Woman Entrepreneur: Starting, Financing and Managing a Successful New Business

List Price: $ 14.95 Price: $ 95.20

Tags: Business, Entrepreneur, Financing, Managing, Starting, Successful, Woman

Minority Or Woman Owned Certification Can Help

When a business applies for a Certification the business owner(s) is asking an organization or government agency to guarantee that the business and owner meet all the qualifications for being Certified. Certification by an organization/agency means they attest that a business meets the qualifications. The reputation of that organization/agency is on the line when they certify a business, so they will look closely at the credentials, records and claims. If they erroneously certify a business they will jeopardize their reputation and may be open to law suit or other legal penalty. So even though the requirements and attention to detail of a Certification process can be frustrating, it is necessary to guard the integrity of the certification and the certifying organization/agency.

Here are the typical requirements of a Certification:

The business is 51% or more owned by the proper classification (Minority, Woman, or Disadvantaged Person).
The Minority, Woman, Disadvantaged Person owner(s) made an investment to obtain his/her ownership in the business seeking Certification.
The business is managed on a day-to-day basis by the owner(s) that is of the proper classification (Minority, Woman, Disadvantaged Person).
The business is capable of providing the products and/or services it claims it can provide. This means the business has the proper license, equipment, people, training, building, vehicles or anything else that is necessary.
If the Certification is for “disadvantaged” businesses the business owner must prove that he/she meets that organization’s/agency’s description of disadvantaged. This will include one or more of the following: personal worth under a specific level, race and/or gender, and location of business.

Certification is one of the best tools in a business’s tool box or briefcase or purse. Here are a few reasons why.

Certification has become a requirement instead of just a competitive advantage. As attention to the use of M/WBEs (Minority/Woman Business Enterprises) and DBEs (Disadvantaged Business Enterprises) increases so does the number of businesses claiming one or more of those designations. The number of businesses claiming those designations has become so large that the government agencies and corporations usually require a Certification to verify that a business is truly an M/WBE or DBE. Federal agencies still do not require Certifications; however, they normally expect their Prime Contractors to use WBEs and DBEs as subcontractors and these Prime Contractors usually do require a Certification for their subcontractors.

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Certification demonstrates that a business cares. Having a Certification is proof that a business is M/WBE or DBE. It is also proof that the business is willing to meet the requirements of a government agency, education institution or corporation. It shows that a business is likely to be a good vendor because it follows directions.

It is a badge to wear (display) with pride. Including Certification(s) on websites, business cards, brochures, digital information, etc. is a good way to demonstrate that a business meets that requirement. Certification is a qualifier, maybe a requirement, but it is not the only qualifier. Displaying it in the right places provides the information to those who need to know without seeming to say, “I expect your business because I am an M/WBE or DBE.”

Being Certified may qualify a business for exclusive opportunities. Sometimes government agencies, primarily federal or state, will do “set-asides” for a specific Small Business classification. In those cases a business may be required to have a specific Certification to qualify.

Certification appeals to customers and clients. Even if a business provides products or services to individuals instead of government agencies and corporations, a certification may be helpful. Consumers may prefer a business because they know it is Minority or Woman Owned Business.

One thing that hampers Small Businesses is not having the right, or best, Certification. A business may think there is just one Certification. Or they assume that a Certification does not apply to them and do not do any research to find out. So a business gets one Certification when another one would have been more beneficial. This causes missed business opportunities. It is important to determine which Certification or Certifications will help. Following is some clarification about Certifications.

Most States offer some type of Certification for M/WBEs. Most State Certifications were developed primarily to identify qualified M/WBEs or DBEs for use by state agencies, and sometimes for local government agencies and schools, in meeting their spend goals. (Spend goal is the target percentage/amount of a government agency’s or corporation’s budget to be spent with a particular group, such as woman- or minority-owned business.) Some corporations will accept a State Certification, but most prefer a non-government Certification for meeting their own spend goals. A corporation that is a Prime Contractor for state agencies may prefer the State’s Certification.

Most State DOTs (Department of Transportation) have their own Certification. The Certification offered by State DOTs is for DBEs (Disadvantaged Business Enterprises). The requirements for this Certification are specifically set to meet federal guidelines because DOTs receive much of their funding from the federal government. This Certification was expanded in recent years to include all state and local government agencies and departments that receive federal transportation funding and it was named the UCP (Unified Certification Program).

Some local government entities offer their own Certification. Some cities, counties and even universities or school districts conduct their own Certifications. Any business trying to sell to these entities needs to have the Certification of that entity.

Corporations often prefer private Certification. Most corporations prefer Certifications from national private organizations because the requirements are the same for each business no matter where they are located. There are Certifications for Minority Owned Businesses and for Woman Owned Businesses. These organizations normally offer their Certified businesses training and access to Corporate buyers.

Certification can increase opportunities. In tough economic times, every opportunity or advantage should be used.

Janet W. Christy is owner of Leverage & Development, LLC, a corporation that provides consulting, research and training to small businesses on marketing and certifications. She is the author of “101 Winning Marketing Actions for Small Businesses” and “Capitalizing On Being Woman Owned”. More information is available at http://leverageanddevelopment.com.

Tags: Certification, Help, Minority, Owned, Woman

Woman Business Investment

If you are a woman that needs help with a business investment, then read on. Woman Business Investment can help in many ways. If you need to find resources to get grants or money for your business, they have that.  If you do not have a business but are looking into starting a business, they can help also.  You can obtain a lot of valuable information with this.

Woman Business Investment can also give you a list of businesses that take very little money to start as well as keep going. Most women cannot afford to throw their money down the drain so any way they can save is what they have to do.  If you are unsure of what type of business to get into then you need to research as much as possible so that you are going to be able to afford it but also so that you will be happy and content in that type of business environment.

If you like working with animals you might be interested in walking dogs or investing in a doggy daycare.  The internet has endless opportunities just waiting on you. The first step in a Woman Business Investment is finding the right business to invest in. The second step is to know how much money you need to get started. The third step is getting money whether it is your money or grants from the government. When you have your startup capital, then you can start get the materials you need to be able to start the business.

Make sure that you have all the kinks worked out before you even get started so that you do not have to stress out over the little things that might come up while you are trying to invest. Make sure you research your state laws on starting and owning a business. Woman Business Investment can help with this as well.

Most of the time people not just women can jump in and get overwhelmed and make tiny mistakes in investing in a business. You will succeed as long as you play your cards right and learn everything you can about the type of business as well as the customers that need the product or service. You want to make sure that not only is this business going to be needed but also that you are going to have enough customers to keep the business open and running, With Woman Business Investment you can do this and much more.

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AFRICA: More Dangerous to Be a Woman than a Soldier

African women who bear the brunt of the continent’s conflicts now demand to
play a defining role in peacekeeping.

Southern Africa – INTER PRESS SERVICE

Tags: Africa, Dangerous, More, Soldier, Than, Woman

Small Business Loans for Woman: a Way to Start Business With

Few women would attempt to build a new building without first preparing details plans. The same is true for someone planning to build a business, no matter the size of the business. A business needs a careful planning and above all the fund you required for the development of infrastructure. For, small business loans for woman are increasingly important amongst business owners.

There is a variety of lenders available throughout the money market. Sometimes they ask for a range of items when you apply for a small business loan. These business loans can sometimes be difficult to obtain no matter where you turn or to what type of financial lender you turn to. A good credit history, a record of how you paid past bills often is necessary to take a loan for business purpose. Before selecting a commercial institution, you need to be sure that a good understanding of your own business needs.

Many business owners turn to private lenders, small loan companies, or even family or friends. Acquiring the necessary funds through these private channels is usually not realistic as funding amounts are typically limited. For entire of your business borrowing, you can have a range of selection. These business loans have been classed into secured and unsecured format. Taking out secured loans is typically based on pledging of your asset. With assessing value of your collateral, the amount of money is sanctioned. To the contrary are the unsecured provisions which contain no such sort of pledging placing. You get the sum as per your convenience.

Followings are some salient features of Small Business Loans for woman. These are under as:

• Some of the most competitive rates available

• Loan Interest is tax deductible which further lowers the net effective rate.

• Guaranteed rate over the life of your loan

• You can pay off your loan early

• We offer business loans up to £50,000.

• Your money is directly deposited into your bank account

• Great Solution for seasonal merchants.

• Flexible financing options. We let you pick the loan repayment term.

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Business Loans for Woman: for Woman Business Entrepreneurs

Business loans for woman are offered to those women aspiring to establish their own business entity. Now you can easily acquire adequate financial help to step ahead on your own. With the help of business loans for woman you can successfully own and run a business to fulfill your dreams and needs. With the funds you can easily manage the business cash flow and related needs easily.

Business loans for woman business loans are offered in two forms secured and unsecured. Secured business loans for woman can be acquired by pledging your valuable asset. You can offer to pledge your car, property, furniture and valuable documents. Pledging of security enables you to easily borrow a substantial loan amount which depends on the value of collateral. The repayment term is long and flexible which can be easily accomplished.

If you can not comply with the collateral clause or don’t wish to pledge anything then unsecured business loans for woman will be the ideal one for you. You can borrow anything as per your financial requirements.

Facing credit problems? Still you can apply for business loans for woman. Bad creditors with arrears, late payments, defaults, IVA, CCJs and bankruptcy are all acceptable and eligible. You will be charged with slightly higher rates because of your unfavorable credit records.

Business loans for Woman can be applied through banks and online. The online application is very convenient as to apply you just have to fill a simple online form. The processing starts immediately and you can even search for a lower rate and lucrative deals.

Funds advanced through business loans for woman can be used for starting up your new business, investing in new ventures, for expansion of existing business, purchasing of assets, construction of office, buying raw material, paying off wages or salaries and other various other business expenses.

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Small Business Loans for Woman: Match Step With the World

Even when the society and its norms have improved, still it remains to be male-dominating. So women are given special provisions so that they can come forth and form equality with the men. If the women want to start their business and establish themselves, the money is provided for assistance through Small Business Loans For Woman.

The woman of today has evolved from her earlier role of just a housewife and a mother. Now she has gathered all her courage and ventured in to the commercial world as well. To give them an encouragement, these loans are provided to the borrowers so that even when they do not have any finances of their own, they can still initiate and give life to their plans.

The money is offered to the borrower women without any requirement of collateral to be pledged with the lenders. The money is available to them up to £75000 and is required to be repaid back to the lender in a term of 6months to 10 years. The rates of interest are slightly lower than the other loan options which are unsecured. This is due to the special provision to the female population which is an encouragement to them.

Before taking up these loans, the borrower women are suggested to prepare a report which should state the complete plans of the business. The ideas and expected revenue etc should all be mentioned so that the viability of the business can be established by the borrower. This is necessary so that the borrower gets a low rate deal for the money that she is borrowing.

For getting lower rate deals for the business, the borrowers can take up a research through the online mode. The borrower can apply for these loans online to the numerous lenders who are present and competing. The borrowers can then choose which ever deal is the most suitable and beneficial.

Small business loans for woman have created a stepping stone for the women who want to make it big in the commercial world.

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Tags: Business, Loans, Match, Small, Step, Woman, World

Small Woman Business Loans : a Profitable Business Assistance

Planning for your own business firm? Or looking for a decent financial assistance? Well! Then small business loans can be the absolute choice to settle your desires. Establishing a business house is basically a tedious task that involves various complicated procedures and numerous other tasks. And to reduce this burden to a certain limit, women often look for a decent monetary help of small woman business loans. This loan can be utilized for setting up a new business firm as well as for introducing essential amendments in the already existing business.

Almost all financial firms including government based finance organizations are now avidly providing the service of small woman business loans. However, finding a venture capital is easy but getting it from a reliable source is quite a deal. Therefore, it becomes completely inevitable for the borrower to conduct a qualitative research before getting associated with any loan program. This research can be executed in a very simple manner. First of all, the applicant should create a synopsis of all the requirements and demands and then this list should be contrasted with the features and aspects of the preferred loan deal. Do not forget to check for the rules and regulations of the finance company offering small woman business loans to avoid any chance of added inconvenience.

In order to offer complete assistance to women, the small woman business loans are approved as both the unsecured and secured loans. On taking secured form of this financial assistance, the demand of placing collateral becomes obligatory for the borrower. This security can be paid in form of property, some valuable asset and sometimes the business itself. On the other hand, in unsecured small woman business loans, no such obligations are required to be made. The rate of interest differs in both the forms with a small margin. Secured loans generally have lower interest rate in comparison to unsecured because of the presence of collateral. Similar approach is followed in the case of estimating the amount of loan that can be offered to the applicant.

Small woman business loans are basically compiled with easy terms and conditions, so that women can avail the chance of making an entry in the business world by establishing their own small business firms. Even if you are stuck with the clauses and poor remarks of low credit profile then also you are eligible to apply for small woman business loans with certain limitations. So now if you wish to apply for this loan, all you have to do is make a well convincing plan of your business procedure and submit it with the reliable money lender. Once you are decided with the selection of the money lender, you can directly start with the processing of the loan. Just log on to their website and apply for the online loan application submission. This online posting of loan application form regulates the procedure with an incredible speed. If the loan gets sanctioned, the amount gets directly deposited into the account of the loan seeker.

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Free Finance Through Woman Business Loans

One development of economies expanding world over is that it has created a larger enough space for women entrepreneurs’ participation in various businesses. Now they contribute significantly towards strengthening of economies. This in turn has compelled financial institutions to take women seriously when they ask for a loan and women are taken as big potential for generating loan business. Woman business loans are gaining popularity amongst business women now for easy accessibility of the loan and lower interest rate. Women entrepreneurs are making use of woman business loans in numerous purposes like starting a new business project, paying back to creditors, buying a business and so on.

Both small and larger scale business women entrepreneurs are equally eligible for taking woman business loans. Many financial institutions including small banks have mushroomed up in the business of giving the loan. Popularity and demand of woman business loan can be judged from the fact that, in America, they have formed Small Business Administration especially to advise and encourage banks in offering the loan to women. Also, there are number of women’s business organizations helping the cause of business women.

So, it is now easier for women to avail loans. But before applying for woman business loans, women should first take one necessary step towards the loan. Those who want to start a business; they should first own a credit card under the name of the business. The credit card will bring women into the process of credit rating which is very crucial in availing woman business loans.

Women can take woman business loans in secured and unsecured forms like any other loans, To take secured woman business loans, women have to place any of their property like home, car as collateral with the loan providers. Collateral will help women in many ways. It is on the basis of collateral that they can get even a larger loan. One advantage of secured business loan for women is that it has lower interest rate attached to it.

In case women do not want to take the loan against their property, still woman business loan is accessible to them. All they required to do is provide some evidence of their regular income source and financial standing. Though the unsecured loan usually is offered at higher interest rate, the rate still can be brought down once women compare different interest rates of lenders.

Business women also should be aware of the importance of credit rating. Under the FICCO scale credit score ranges from 300 to 850, and 720 and above is labeled as risk free while below 580 is bad credit for loan. Business women should make efforts to maintain good credit record to avail the loan at better terms..

For the best woman business loan deal, applying online, women will get many loan offers to chose from.  
Woman business loans are immensely helpful in establishing business. The loan goes a long way in strengthening women’s position in the business world if taken with care.

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Tags: Business, Finance, Free, Loans, Through, Woman