Whilst most investors are obsessed with earnings and dividends, Roger Montgomery always considers how much money has been put in to a business to get earnings and dividends out. So what does Roger look at when valuing a business? 1. Equity on the balance sheet how much is there? Make sure it isnt full of accounting hot air (goodwill). 2. ROE how profitable is the business historically and looking into the future? 3. Discount rate what return do you want from the investment? 4. How much money is being retained and compounded by the company, and how much is being paid out. Roger also answers a viewer question about Telstra, valuing the business around $3.00. Broadcast 25 February 2010Visit www.rogermontgomery.com for Roger Montgomerys step-by-step guide to valuing a company. www.switzer.com.au from Peter Switzer is an online portal for retail investors and small business owners, offering daily news and articles on small business and personal finance. Switzer also provides industry-leading Financial Planning and Business Coaching services.

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Litefoot was interviewed on 1.24.10 from his office in Seattle, WA by Virginia Tech University Radio by hosts Diane and Andy for the program “Talk of the Table”. Watch Litefoot’s interview and hear his take on Avatar, who his role models are and his insights as to the modern day struggle of Native Americans and how a person can overcome the greatest of difficulties & become successful. Virginia Polytechnic Institute and State University proudly presents Actor, Rapper and Cherokee legend Litefoot. Litefoot will give a lecture entitled Building Bridges Between Native Americans and African Americans. Autograph signing and meet and greet with Litefoot immediately following his presentation. Event Information: Squires Student Union in the Haymaker Theater Friday, February 5, 2010 8:00 PM Admission: Free Sponsored By: Africana Studies, Women and Minority Scholars Lecture Series, Race and Social Policy Center, American Indian Studies Program, Sociology Department, Womens and Gender Studies, The Department of Theatre and Cinema, the History Department, English Department, College of Liberal Arts and Human Science- Diversity Committee, Multicultural Programs and Services, Academic Enrichment & Excellence and the Office of Equity and Inclusion Contact: Professor Paula Marie Seniors (540) 231-7205 or pseniors@vt.edu

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Auto title loans are subprime loans given to borrowers with bad credit who use their auto equity as collateral, allowing consumers to borrow money based on the value of their vehicle.

When you apply for an auto title loan, you’ll have to show proof that you hold the title of your vehicle. It is important that your vehicle has a clear title and that your car loan is paid off or nearly paid off. The debt is secured by the auto title or pink slip, and the vehicle can be repossessed if you default on the loan.

Some lenders may also require proof of income and/or conduct a credit check, bad credit does not disqualify you from getting approved. Auto title loans are typically considered subprime because they cater primarily to people with bad credit and/or low income, and they usually charge higher interest rates than conventional bank loans.

How much can you borrow with Auto Title Loans?

The amount you can borrow will depend on the value of your vehicle, which is based on its wholesale price. Before you approach a lender, you need to assess the value of your car. The Kelley Blue Book (KBB) is a popular resource to determine a used car’s value. This online research tool lets you search for your car’s make, model and year as well as add the appropriate options to calculate the vehicle’s value.

Estimating your vehicle’s worth will help you ensure that you can borrow the maximum amount possible on your car equity. When you use the KBB valuation as a baseline, you can accurately assess the estimated pricing for your used car.

The trade-in value (sometime equal to the wholesale value of the vehicle) will be the most instructive when you’re seeking a title loan. Lenders will factor in this calculation to determine how much of that value they are willing to lend in cash. Most lenders will offer from 25 to 50 percent of the value of the vehicle. This is because the lender has to ensure that they cover the cost of the loan, should they have to repossess and sell off the vehicle.

Different states have varying laws about how lenders can structure their auto title loans. In California, the law imposes interest rate caps on small loans up to $2,500. However, it is possible to borrow money in excess of $2,500, if the collateral vehicle has sufficient value. In these situations, lenders will typically charge higher interest rates.

When you cannot depend on your credit rating to get a low-interest loan, a higher-limit auto equity loan can get you cash in time of a financial emergency. An auto pawn loan is a good option when you need cash urgently and can offer your car as collateral.

Make sure you find a reputed lender who offers flexible payment terms and competitive interest rates. Most lenders will allow you to apply for the loan through a secure online title loan application or by phone and let you know within minutes if you’ve been approved. You could have the cash you need in hand within hours.

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Equity bank and Safaricom have partnered to enable their customers access all banking services through mobile phones through a service dubbed M-kesho. Through this service customers can open bank accounts, apply for loans, earn interest on deposits, purchase insurance and so on in a move President Mwai kKbaki said was in the right direction to encourage more people into formal financial services. So far, just about 7.6 million people own bank accounts out of an estimated bankable population of 19 million.

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A business’ main purpose is to create a customer because it is basically the consumer who essentially determines what a business is. Although it is significant to provide time and effort on how you are going to improve your products and services, it is still the customers who establish the future success of a business. Therefore, consumer service enhancement is very important if you would want your business to prosper.

Customer service is a key factor in achieving business success. It can either make or break your business. This is for the reason that the entire business plan, marketing strategies, sales and profits will solely depend on its impact on the customers. Essentially, you are in business to generate revenue through selling your products to people who are in need of these services. These people want to discern if your products will be able to make their lives much easier.

To be able to gain income for your business, it follows that you must carefully design and satisfy the needs of your consumers. This is the foundations of an emerging and profitable business. Every decision you make must take into consideration how it affects the customers. You should always give importance on service circumstances affecting your customers.

Strategies in marketing and sales will greatly help in attracting new customers for your business but it is amazing consumer service that keeps people coming back for more. This is indeed a fact because people typically would want to do business with people that they trust and had a good experience with. Consequently, as an entrepreneur you have to ensure that your customers will continue to buy from you by offering them great quality consumer service.

It has been proven in surveys that most customers do not come back to certain business establishment because of the indifferent attitudes towards them by business owners, managers and employees regardless if they like the products or services these businesses offer. Most of the time, these dissatisfied customers will just simply walk away and never come back thus decreasing potential revenue without your knowledge. It is therefore true to say that many businesses cannot succeed for a long time without giving importance to customer service.

This crucial factor has somewhat leveled the opportunities for both large and small businesses. This provides each business to offer consumers quality service in which they can be known for. In this way, they are able to differentiate themselves from the competition.

There is a continuing change in customer demands in recent years so it is your job as a provider to offer a satisfaction program for your customers. This program will help you gain additional customers and retain them for a very long time.

Every business management must recognize the reality that consumer service is imperative in the success of their business. This will ensure your customer’s loyalty and commitment to your business. Your ability to focus on your consumer’s need rather than your own and servicing them to the best of your ability will ensure that your business will be far more cost-effective than you have ever dreamed of.

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Ambulance and firemen have been accused of corruption. In cases, this low level corruption has led to the loss of lives of innocent victims. There is a very low perception of public services. Parallel systems create even more confusion. This is asequence extracted from the Equity Weekly TV show #61, broadcast on 19/10/08, produced by UNDP and TVK, with support from SIDA, AusAid, Canadian International Development Agency and Irish Aid as part of the SDEP (Strengthening Democracy and Electoral Processes in Cambodia) project of UNDP CAMBODIA. For more information, visit our website: www.equitycam.tv

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Video interview with Nic Brisbourne, Partner DFJEsprit www.dfjesprit.com Nic has been in venture capital since 2000. In that time he has worked in London, Europe and Silicon Valley. His main areas of focus have been software and media. Prior to DFJ Esprit he was with Reuters Venture Capital. Nic’s investment experience includes buy.at (sold to AOL for $125m) and UltraDNS (acquired by Neustar — NYSE NSR). Prior to joining Reuters Nic worked for Operis, a software and services start-up, and Cap Gemini. You can find Nic on his blog The Equity Kicker www.theequitykicker.com & on Twitter @brisbourne twittercounter.com Thanks to Alexander Blu for music ‘Electricity’ www.jamendo.com For further info check out www.ezebis.com Distributed by Tubemogul.

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