| If traditional lending route doesn't work, try nonprofit
Q: I have been unable to get a loan from my bank because my credit is weak. I only need a few thousand dollars for working capital. Are there any lenders out there who are willing to take more of a risk than my bank? A: You might look at Acción Texas, a nonprofit lender whose mission is to help microentrepreneurs strengthen their businesses. Acción operates only in Texas and deals with small businesses like yours that fall just beneath bank guidelines and so are unable to obtain conventional bank financing. Acción is willing to work with businesses that have weak credit, limited experience or poor financial records. That does not mean, however, that there are no requirements for borrowers. Depending on the type of loan you want, you will have to put up collateral, show a good payment history with creditors such as landlords and suppliers, and demonstrate that you'll be able to repay the loan.
Tax credits - claim quickly
AROUND 20million people who receive tax credits have until July 31 to renew their claims or payments could be stopped. HM Revenue & Customs (HMRC) have sent out renewal packs. These contain forms which claimants must complete if their circumstances have changed. If they have, claimants need to return the completed form now, or call HMRC on 0845 300 3900 and they will do it for them over the phone. This way, HMRC can make sure tax credit claimants are getting the right money. Tax credits provide support to 20million people, including around six million families and ten million children. Further information and frequently asked questions about tax credit renewals is available from taxcredits.direct.gov.uk The Tax Credits Helpline number is 0845 300 3900 for Great Britain, and 0845 603 2000 for Northern Ireland.
YOUR PLACE TO CALL HOME: Don't let your dream become a nightmare
We all have hopes and dreams for the future of our families. We all have dreams of happiness and success for our children and grandchildren.We may have dreams of money, job or romance for ourselves. For many of us, the future of our dreams includes a home of our own or perhaps a bigger or newer home.We all can take pride in the fact that America is the land of opportunity. Millions of people from all over the globe have come to our nation in search of their dreams. One of the main components of the American Dream is a home of our own. Today, nearly 70 percent of all American families can call themselves homeowners. Realtors are proud of the role we have played in making the American Dream a reality for our customers and clients. .
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