1. Current Scenario of Online Poker Gaming In India
  2. Shut down the lab or we’ll destroy the computer
  3. Disappointing examination results stay on Instagram
  4. What the Experts Are Saying About Moved Store Bought and What It Means For You
  5. What Business Goals Onpage Is – and What it Is Not
  6. Buyer Beware – A Guide to Buying Classic Video Games on eBay
  7. How To Wisely Buy A New Computer
  8. Beginner’s Guide to Computer Forensics
  9. Breaking the Computer Buying
  10. Computer Knowledge (Literacy)
  11. Evolution of Technology – The History of Computers
  12. Crunch Power And The Simulation Hypothesis
  13. Computer or Buy a New One?
  14. Online Computer Repair and Remote Virus Removal
  15. Are We Too Dependent on Computers?
  16. Cloud Computing – Is It Safe?
  17. Thirteen Steps to Successful Blogging
  18. 12 Things You Need to Know Before You Even Start a Blog
  19. Why I Love Blogging
  20. 7 Best Blogging Platforms to Start a Blog for Free
  21. 15 Reasons Why You Should Start a Blog Today
  22. Why You Should Blog To Make Money Online
  23. A Blog Marketing Plan – The Basics
  24. Why Most Bloggers Never See Their Blogs As a Business
  25. Use Blogging for Profit
  26. Five Smart Ways To Make Big Money From Blogging
  27. Arkansas Life Insurance Guide – How to Find Cheap Arkansas Term Life Insurance Rates
  28. Life Insurance Settlements Viewed Through the Eye of the NASD – A Study in Compliance
  29. It’s Ok to Say No to Technology for Your Kids and Why I Didn’t
  30. Tips to Secure Your Small Business Network
  31. New Business Startup Checklist
  32. Book Ghostwriter on Google
  33. 5 Steps on How to Start Affiliate Marketing for Beginners
  34. Shhh – Not In Front Of The Television
  35. What Every Investor Should Know About Options!
  36. Review: My Year With Microsoft Surface Pro
  37. Android 6.Zero Marshmallow: What’s on the Cards?
  38. Life Coaching – Past, Present, and Future
  39. Why Hire a Life Coach?
  40. The Condition For Man To Have Eternal Life
  41. Past Life – Wanting to Know Who I Was in My Past-Life
  42. Dividend Paying Whole Life Insurance – Understanding What Sets it Apart
  43. Step Up to a Better Life With the Help of a Good Coach
  44. 10 SEO Tips to Get Your WordPress Blog Ranking Highly in the Search Engines
  45. 4 Quick SEO Tips To Help You Make More Money From Home
  46. SEO Tips on Hiring an SEO Expert
  47. 9 Blog SEO Tips to Assist Your Blog Rankings
  48. Five SEO Tips: You Should Know
  49. Satellite Internet Access – No DSL Or Cable – No Problem
  50. Three Exchange Traded Funds to Invest in the Internet
  51. Large Companies Need Internet T3 Line
  52. Web Internet Marketing, Increase Income By Improving Sales Process In Any Business On The Internet
  53. The Key Role of InThe Key Role of Internet Service Providers To Their Subscribersternet Service Providers To Their Subscribers
  54. Satellite Internet: Getting Things Done Faster
  55. Learn More About Computer Internet Cable
  56. Wireless Internet for Laptops: The Norm Today
  57. Greater Opportunities for the Finer Salt Cave Here
  58. Internet Business Is a Pretty Big Place
  59. Should I Use The Internet for My Network Marketing Business?
  60. How Does Wireless Internet Work – Four Ways to Establish Wireless Connection to the Internet
  61. Speed Up Internet Windows 7
  62. Top Rural Area High Speed Internet Providers
  63. What Does Internet-Enabled Mean To The Average Construction Professional?What Does Internet-Enabled Mean To The Average Construction Professional?
  64. Back To School Internet Safety Tips For Parents
  65. 5 Great Uses of the Internet
  66. Comcast Internet Essentials Program – A Possible Solution To Help Bridge The US Digital Divide
  67. Kids Safety On The Internet – The Technology Blame Game?
  68. Internet Marketing Pt 1
  69. The Internet in Our Future
  70. What Is Broadband Internet? My Options
  71. How to Choose Your Internet Download Speed?
  72. Tips to Keep in Mind While Going for Internet Service
  73. What Can Broadband Internet Do For Me?
  74. The Growth of the Internet Economy
  75. What Are The Advantages Of Satellite Internet Over DSL Internet?
  76. The Most Interesting Facts About Broadband Internet
  77. Is a Wireless Internet Connection Right For You?
  78. Advantages of Getting Internet Connection From Broadband Internet Service Providers
  79. The Primary Duty of the Intermediary in Internet Oil Trading and Refined Petroleum Product Deals
  80. How Internet Brokers and Agents Kill Petroleum Deals and Oil Deals As Intermediaries in Trading
  81. Helpful Tips In Saving From Costs Of High Speed Internet
  82. 50 Amazing Facts About the Internet
  83. The Power of Internet: It’s Like a Magic!
  84. The Truth About Internet Money
  85. Effects of Internet in Today’s Lifestyles
  86. Selecting the Best Type of Internet Service Provider for Your Needs
  87. Boosting Internet Access Resilience, ISP Multihoming Explained
  88. How the Internet Is Structured
  89. Where Internet Jurisdiction Can Get Your Business Sued!
  90. Important Information About The Internet And Computers
  91. Rural Wireless Broadband Internet – How Does It Work And How Can I Get It?
  92. Flattening The American Internet
  93. Purchase Order Financing Tips and Secrets for Canadian Firms Seeking Trade Finance
  94. 7 Top-Rated Tourist Attractions in Palm Springs
  95. Are Inventory Financing Lenders and P O Factoring Solutions Your Best Business Financing Bet?
  96. Who’s Financing Inventory and Using Purchase Order Finance (P O Finance)? Your Competitors!
  97. Alternative Financing for Wholesale Produce Distributors
  98. Sources of Business Finance
  99. Alternative Sources of Business Growth Finance: There Is More Than One Way to Fund Growth
  100. Car Finance – What You Should Know About Dealer Finance
  101. Alternative Financing Vs. Venture Capital: Which Option Is Best for Boosting Working Capital?
  102. Best in Class Finance Functions For Police Forces
  103. Finance, Credit, Investments – Economical Categories
  104. Immortalizing Values Through Education for Sustainable Development
  105. Italy bridge: State of emergency follows Genoa catastrophe
  106. New Zealand bans sales of houses to foreigners
  107. Mystery Russian satellite’s behaviour increases alarm in US
  108. Face transplant: A ‘second risk’ for young suicide survivor
  109. Stocks in the news: Kotak Mahindra Bank, ONGC, Fortis Health, Khadim, UPL, Hathway Cable, MMTC
  110. Teacher Education and Teacher Quality
  111. Making Online Education Attractive
  112. Education Loans Can Augment The Boundaries Of What You Can Achieve
  113. Improving the Quality of Education: A 360 Degree Perspective on Education CSR in India
  114. Educational Problem Solving
  115. An Inside Look at the Special Education Profession
  116. 5 Best Layered Inverted Bob Haircuts You Should Try | Glaminati.Com
  117. Technology’s Effect on Commercial Real Estate in a Recession
  118. Trends in Technology
  119. Monitor Technology Explained
  120. Pros And Cons Of Online Education For The World Citizen
  121. Technology and Innovation Management
  122. Impact Of Technology In Banking
  123. Technology – Who Needs It?
  124. Implementing New Technology
  125. Automotive Advertising Agencies Must Use Yesterday’s Knowledge & Tomorrow’s Technology to Survive
  126. Cool Gadgets Shopper – Irresistible Gadgets Your Customers Will Love
  127. Do What You Do Best – Realistic Technology Tips For Paralegals
  128. Top 5 Twisted, Yet Fun Games of All Time
  129. Difference Between On-Campus Education and Online Education
  130. Electronics Gadgets Selling Tutorial: 15+ Wee Devices That Will Make Your Store a Big Hit On The Net
  131. Electronic Gadgets Sales For Morons: Ten+ Devices You Can Wear
  132. Self-Defense Gadgets And Gizmo’s – Should You Carry A Personal Safety Weapon?
  133. The Many Gadgets Available To Compliment Both Him And Her
  134. Kitchen Equipment And Gadgets For Your Raw Food Kitchen
  135. Buying a Clinical Information Technology System
  136. Cool Gadgets Shopper – Why You Need A Laser Light
  137. The Newest Home Electronics and the Latest Travel Gadgets
  138. Spy Gadgets Hints: Where to Use 17 Different Camouflaged Cameras
  139. Selling Automobile Dealerships to Public Companies – Effect of Framework Agreements
  140. Interview with Dr Renato C Nicolai, Author of “The Nightmare That Is Public Education”
  141. Millennium Education Development – Ways To Achieve
  142. Globalisation And Primary Education Development In Tanzania: Prospects And ChallengesGlobalisation And Primary Education Development In Tanzania: Prospects And Challenges
  143. Keep Your PC Healthy With Computer Tips & Tricks
  144. Use This Simple Computer Tip to Save Time Using the Internet
  145. 5 Stress Reducing Computer Tips
  146. Computer Tips From My Journal
  147. Speed Up Computer Tips
  148. Best Computer Tips to Help With Slowing Computer Problems
  149. Essential Computer Tips You Should Learn Right Now
  150. Home Computing Tips for Getting More From Your Technology
  151. Computer Tips that Help Small Businesses Operate Profitably
  152. Computer Tips – Some Useful Computer Tips For Average Computer User
  153. Spyware – Now a Problem for Mac Users as Well
  154. 15 Alluring Stacked Bob Haircuts to Brighten Your Day| Lovehairstyles.com
  155. The Non-Hostile Overview Of Choosing A PC Or Mac For Your Computing Needs
  156. What Went Wrong? When Relationships Go From Hot To Cold
  157. Malware on the Mac – Viruses, Spyware, Worms, and Other Digital Nasties Are Coming to the Mac
  158. How to Run Windows on a Mac
  159. Fixing a Slow Mac: Discover The Ultimate Solution
  160. Advantages and Features of Mac Computers
  161. Switching From PC to Mac
  162. Mac Mini User Guide
  163. The Short Awkward Life of Mac Remora
  164. Mac Media Center
  165. Software As a Service (SaaS) Software on Demand – Using SaaS the Smart Way
  166. 10 Ways Baby Boomers Can Be Happier in 2018
  167. Predictive Dialer Software – Functions, Benefits and Features of This Tool
  168. Do You Have What It Takes?
  169. Is Technology a Bringer of Great Promise or Great Peril?
  170. What to Look for When Hiring an HVAC Professional
  171. Four Steps To Become Successful With Affiliate Marketing
  172. Eleven Minimalist Mindset Tips
  173. Miracles, The Power of the Web, Selfless Love and Acts of Kindness
  174. Top 10 Causes of Online Marketing Burnout
  175. Welfare of the Internet of Things
  176. Operational Route Accounting ERP Software: Benefits and Obstacles
  177. 3 Benefits to Using Cloud Yoga Business Software for Your Yoga Studio
  178. Software Engineering and the Intelligence Community – Setting Real Time Standards
  179. Importance of Software Testing in the IT Industry
  180. Death of an Automobile Dealership
  181. Electronics Gadgets – 13-Plus Disclaimers and Disclaimer Templates to Keep You Out of Trouble
  182. Automobile Accidents Are Easy to Prevent Using Modern Technology
  183. Compensation Caused via Automobile Accidents
  184. Site Control For Automobile Dealerships in the 21st Century
  185. The Automobile: Profit and Status, Waste and Pollution
  186. A Subjective Insight of the Future Automobile
  187. How to Save on Automobile Insurance
  188. Forty Years of Sheer Galveston Fascination
  189. Visit the Beautiful Places in Darjeeling, the Queen of the Himalayas
  190. Rhode Island Personal Injury Law FAQS and Automobile – Car Accidents – through a RI Lawyer – Attorney
  191. Buying and Selling Automobile Dealerships – Limitations When Negotiating the Contract
  192. Confused With All the Travel Information at the Internet?
  193. Friendly Places to Travel With Grand Children
  194. I’m Going to Cuba – And Other Adventures!
  195. The Trek to Upper Mustang – The Forbidden Kingdom
  196. Tazaungmon And The Tazaungdaing Light Festival
  197. Explore Antigua
  198. Cuba: Yesterday, Today and Tomorrow
  199. The South Shore Pub Tour Along Nova Scotia’s Fabulous South Shore Lighthouse Route
  200. How to Get Started With Sports Betting
  201. The National Service Factor in Sports Development
  202. Title IX – Sports
  203. A Brief Theology of Sports
  204. Youth Sports – The Role of Organized Sports in Your Child’s Life
  205. Sport and the Russian Revolution
  206. Modern Trends in Sports Administration and Management
  207. Which Software Testing Company?
  208. Accounting and Payroll Software – Industry Jargon Defined
  209. The Case for Flag Football As an Olympic Sport
  210. Peak Performance in Sports
  211. Sports Betting Champ, John Morrison Sports Betting Product Review!
  212. What Is iCloud, and Do I Need It?
  213. Is the iPhone 4S a Huge Waste of Money? Find Out Why You Should Keep Your iPhone four and Not Upgrade
  214. Should I Upgrade My iPad? What’s Inside Does Not Matter That Much
  215. How Is Apples IOS 6 Passbook App Going to Change the Electronic Wallet World?
  216. Ultima Forever: Quest for the Avatar iOS (Pre) Review
  217. Five Yes’ to the iPhone 5S!
  218. Areas That iPhone 4 Still Crumble to Android
  219. New Mobile Applications Stock Market
  220. ICloud – The Essential Guide
  221. An Introduction to Mobile Applications
  222. Apple’s IOS Vs Google’s Android OS Vs Blackberry’s Rim Vs Microsoft’s Windows Mobile
  223. Finding The Best Small Business Scheduling Software
  224. The Top Facebook Games of 2010
  225. Most Anticipated Video Games of 2010
  226. Different Types of Card Games
  227. Apple iOS five.0 Features: Notifications, iMessages and All Other Goodies You Need to Know
  228. 10 Ways to Market Your Mobile App
  229. Mobile Application Development – Current Technologies
  230. Understanding Mobile Phones
  231. Rapid Web-Based Desktop And Mobile Application Development
  232. Introduction to Designing Open Source Games for the Google Smart Phones
  233. History of Video Games – The First Video Game Ever Made?
  234. Mobile Sales Force Automation – How businesses doubled its income quantity with wi-fi technologies
  235. The Mobile Landscape – The Truth Behind the Hype
  236. Everything About Mobile Apps That You Want to Know!
  237. Considerations When Creating A Mobility Extension To The Corporate Network
  238. Tablet Wars! VHS or Betamax? Android, Apple, or Playbook?
  239. How to Select the Best Android Tablet
  240. Purchasing a Top Android Phone is a Good Decision
  241. An Introduction to Forensics Data Acquisition From Android Mobile Devices
  242. Comparing the Widows Mobile and Android Develpment Platform
  243. Every Man Is An Island: The Fragmentation of Android
  244. Google’s Android Phones Challenge Apple iPhone For Smartphone Market Share
  245. Android User Security
  246. 10 Free Android Apps That Will Actually Make You Money While Shopping!
  247. How to Pick Video Games Both Parents and Their Kids Will Love
  248. Exercise for the Brain
  249. How Prefabrication Is Helping the Hospitality Sector
  250. IPhone Vs Android Battle Royale
  251. Eight Ways To Awaken Your Greatness And Affirm Your True Power
  252. Why You’re So Damn Ugly And How To Become Beautiful Or Handsome
  253. The Power Of Awareness: How To Cultivate Mindfulness In Your Everyday Life
  254. IRR Transfer for Dependency or Hardship
  255. The Cure To Loneliness
  256. Top Ways to Prevent Data Loss
  257. Five Ways to Build Enterprise Mobile Apps “The Right Way”
  258. 6 Website Must-Have’s for Small Businesses
  259. Top 5 Most Important Aspects of Your Game
  260. How To Not Fail With Your New Year’s Resolutions
  261. Extreme Celestial Magnifying Glass Detects Dim Galaxies In The Primeval Universe
  262. How to Worship God According to Jesus
  263. Particles Born In A Black Hole’s Hostile Winds
  264. Hot Jupiter Planets: Any Way The Wind Blows
  265. Project-Based Teaching Methods
  266. Can Chia Seeds Reverse Diabetes?
  267. Mezcal in Oaxaca: State, National and Global Significance of Mexico’s Iconic Spirit
  268. The Magic Power of Perception
  269. Seven Chakras and Seven Colors Interconnected
  270. How to Control Stress Eating
  271. Killer Foods
  272. Stop Body Hate: Seven Mindset Qualities to Love Your Body
  273. What Is Calcium And What Does It Do?
  274. Calcium Needs At All Life Stages
  275. How to Achieve Health and Fitness
  276. 7 Main Reasons to Drink More Water
  277. 15 Amazing Healthcare Technology Innovations
  278. Earth’s Moon Has A Soggy Secret
  279. Messages From the Grave – Hit Over the Head With a Double Boiler
  280. Poetry and the Muses
  281. Cancer Antidote three-D
  282. A Fond Farewell To A Misty Moon
  283. What Makes a Good Game, and Where Will it Lead Us From Here?
  284. Not Even Jealousy Can Stop God
  285. The Mysterious Magnetic Personality Of Our Star
  286. Some Anti-Theist Religious Bits & Pieces: Round Sixteen
  287. Your Thoughts Determine Your Life
  288. What Are the Causes of PMS?
  289. 20 Exhilarating Destinations To Explore In India With Your Girl-Gang
  290. Psychology in China – Fairy Tales For Therapy
  291. 9 Tested search engine marketing Tips
  292. A Shaman Shares Knowledge
  293. Online Dating one hundred and one – Online Dating Basics
  294. Top 10 Doris Day Movies
  295. Creating A Life You Love
  296. How to Clean-up Your Allergies with 2 Easy Home Tips
  297. Vanity Killed My Car
  298. SEO Tips for Lawyers – Five Crucial Keys to Organic Search Engine Optimization
  299. 10 search engine marketing Tips to Be #1 on Search Engines
  300. Top five SEO Tips For WordPress
  301. How To Make More Money
  302. 25 search engine marketing Tips for Visitors and Search Engines Using Newswire Techniques
  303. The Growing Popularity of Free & Casual Games
  304. Top 10 SEO Tips That Will Get Your Site Ranked Higher in Google
  305. 6 search engine optimization Tips for Better Search Engine Rankings
  306. Five Ways To Make Money With Your Website
  307. Importance of Social Proof for the Hospitality Industry
  308. Five Important On Page search engine marketing Tips
  309. An Ounce of Prevention – 16 search engine marketing Tips
  310. 38+ Quick SEO Tips for E-Commerce Websites
  311. Avoiding Website Headaches
  312. RIP-OFFS: Online Computer Repair and Remote Virus Removal
  313. Should I Fix My Computer or Buy a New One?
  314. Computing Crunch Power And The Simulation Hypothesis
  315. The Evolution of Technology – The History of Computers
  316. Scope of Online Degrees in Computer Sciences
  317. Breaking the Computer Buying Cycle
  318. The Best Computer Equipment for Day Trading E-Mini Futures
  319. What Does Office 2016 Mean to a Small to Medium Business?
  320. 5 High Demand Technology Skills for 2016
  321. 10 Health Problems Caused by Computer Use and How to Win Them
  322. 4 Content Marketing Mistakes You Should Avoid in 2016
  323. Content Marketing Trends In 2016
  324. Driving Free Website Traffic in 2016
  325. 5 Tips To Do Social Media Marketing In 2016
  326. Working With Fashion Bloggers for Product Promotion and Purchasing Decisions Is Smart
  327. The Spectrum of Death: Perspective on News Coverage
  328. Book Trailers: Compiling & Arranging Elements for Effective Results
  329. Japanese Guys Think Europeans Girls Are Not Into Them – They Are So Wrong!
  330. How to Prevent Pre-Diabetes From Getting Worse
  331. Top three Books for Inspiration on How To Work Smarter, Not Harder
  332. The Walrus and the Honeybee: Remembering Buckfast
  333. Bloggers’ Parties For Product Promotion
  334. Blogger Tricks – Simple Blogger Tricks And Tips For New Bloggers
  335. How a blogger went from sharing stock picks to building his own version of the hottest investment product around
  336. Nigerian blogger detained for criticising governor in prison 10 days after
  337. Why a massive DDoS attack on a blogger has internet experts worried
  338. Saudi Arabian teen arrested for online videos with American blogger
  339. Should Australians Still Invest Properties in the United States?
  340. Financial Modeling: Investment Property Model
  341. What Constitutes Separate Property in Virginia?
  342. How to Rent My Property
  343. 5 Reasons Why Investing in Property in Hull Will Create Wealth
  344. Yours, Mine and Ours: How Spouses Share and Transfer Property
  345. Ten Tips for Comparing Health Care Policies
  346. Beauty Spells Really Make You Beautiful
  347. Patient Abandonment – Home Health Care
  348. What is Taught in Beauty Schools?
  349. The Simulation Hypothesis: Even More Evidence From Physics
  350. How To Make Money Online Today – The Basic Process
  351. Career Change At 50 – Start Working From Home
  352. Even More Religious Shorts
  353. Sample Counseling Statement, IRR Transfer
  354. Writing Website Content – Who Are You Writing To?
  355. 12 Great Reasons To Have A Niche Website
  356. Why Your Metabolic Age Matters
  357. Alternative Sources of Business Growth Finance
  358. Best in Class Finance Functions
  359. What You Should Know About Dealer Finance
  360. Safe Driving Through Mexico’s Yucatan From Oaxaca: Archaeology Agave Crafts Wildlife Nature & More
  361. Boosting Your Audience Engagement to the Max
  362. Revenue-Based Financing for Technology Companies With No Hard Assets
  363. The New Rule For Buying a Home – Using Owner Financing
  364. Learning a Language In the Throes of the Perfectionist Syndrome
  365. Accounts Receivable Financing – Don’t Worry, Be Happy
  366. What Does the Bible Say About Beauty?
  367. Where within the World Is Your Finance Penetration?
  368. The Best Car Deals – Low Finance Rates Vs Rebates – Which Should You Choose?
  369. Real True Beauty
  370. What the Heck is Owner Financing?
  371. Finance, Credit, Investments
  372. Debunking 3 Common WordPress Myths
  373. WordPress Banned The Website Of The Fascist Group Linked To The Alleged Charlottesville Killer
  374. WordPress Migrations Made Easy
  375. Comparison Between Open Source CMS Systems and Commercial Open Source Systems
  376. Inner Beauty – Beauty Goes Beyond What the Eye Can See
  377. Simple Homemade Beauty Tips To Implement For Natural Beauty
  378. Beauty – An Essential Ingredient For Choosing A Spouse
  379. What Does Really Beauty Means?
  380. How to Feel Beautiful: Feel Beautiful and Celebrate Ourselves
  381. What Do I Do: WordPress or HTML?
  382. Taking Your WordPress Website To The Next Level
  383. How to Use Cpanel
  384. Benefits of College Education
  385. Basic Building Block of Starting a Profitable Blog
  386. Why is Education So Important? Something We Don’t Think of But Should
  387. Real Beauty – Bliss!
  388. The Real Reasons for Society’s Immense Influence on Education
  389. Your Network Marketing Business Blog – 5 Good Reasons To Use WordPress
  390. WordPress search engine marketing
  391. The Numerous and Useful Advantages of the Internet in Education
  392. Unexpectedly Brilliant Uses of Computers in Education
  393. Beliefs About the Purpose of Education You Probably Didn’t Know
  394. Oldest University within the World
  395. GRE Scores Scale
  396. Outlining the Difference Between a College And a University
  397. Ethical Issues in Education We Can’t Afford to Ignore
  398. A Beginner’s Guide To Setting Up A Successful Online Store
  399. The Nikon D3400 Picture Controls and Effects – How to Use Them on the Nikon D3400 DSLR Camera
  400. Retail Design for Vehicle Showrooms
  401. How to Secure Your Small Business with a PIX Firewall
  402. The Due Diligence Concept: A Six Month Journey To High Rankings On The Internet
  403. Perception: Learned Or Innate? A Debate
  404. Best Practices for 21st Century Boards
  405. Why Boko Haram Became Violent
  406. Should You Use Revit Server or Collaboration For Revit (C4R)?
  407. Managing Fixed Asset As a Corporate Financial Strategy – The Accountants’ Perspective
  408. Beauty – Is It Physical Appearances or Self-Esteem?
  409. The 10+1 Paths To Vibrant Healthy Skin At Any Age – How To Make 2013 Your Best Year For Beauty Ever
  410. How Does a Whole Life Insurance Policy Work?
  411. What is Permanent Life Insurance? Should I Choose Permanent Life Insurance Or Term Life Insurance?
  412. I Danced With Christ In Bali
  413. Five Positive Tips for Baby Boomers: Retirement & Panic
  414. Hurricane Erma A Floridian’s Story
  415. The Hidden Hazards of Digital Devices and Blue Light on Kid’s Eyes.
  416. Teaching Data Entry to New Hires
  417. Trauma Aftershocks
  418. I Still Haven’t Started With Live Trading Yet, Because I Am Afraid to “Click”
  419. E-Commerce: B2B Vs B2C
  420. The Simulation Hypothesis: Evidence From Physics
  421. The Best Consumer Electonics Reviews and Deals
  422. Reasons to Not Have a Cellphone
  423. Top Ten PC Games In The World
  424. Video Games and the Law: Sex, Violence and Addiction
  425. Tichu Card Game Review
  426. Should Students Learn A Musical Instrument Or Play Educational Video Games?
  427. Game Ideation For The Everyman
  428. MMO Games for Kids and Teens – Harmless Fun?
  429. What It’s Like Being a Game Maker
  430. Family Gaming – 10 Best Xbox 360 Family Games
  431. Top 10 Cool Online Physics Games

Talk to any business owner or read the business section of any newspaper and you’re likely to come across stories of struggles to access sufficient finance to grow or maintain their business. But we are beginning to witness a change in how business owners access finance with many now actively seeking out alternative sources.

A survey carried out by the UK’s Forum of Private Business found that 26% of businesses were hunting out alternative financial products, with 21% seeking them outside of the traditional main High Street lenders. In fact, in another survey undertaken by the Federation of Small Businesses, it was discovered that only 35% of respondents used a traditional overdraft facility in 2011.

So, if banks are continually reluctant to lend to all but the lowest risk businesses, how can the remainder of the UK’s business population finance growth? Here are some of the increasingly popular alternative sources of finance to investigate.

Better Management of Working Capital

This may appear to be an odd source of finance but very often businesses are sitting on undiscovered cash reserves which can be used to finance growth. A report issued by Deloitte in 2011 revealed that the UK’s largest businesses were sitting on £60 billion of unproductive working capital. Inefficiencies in how working capital (debtors, stock and creditors) is handled can unnecessarily tie up your cash. Cash can be unlocked and released back in to the system thereby allowing self-financed growth plans by taking a close look at credit procedures, how credit terms are granted and how outstanding payments are chased.

Ensuring that stock is kept at an optimum level via better inventory management is another area where cash can be released to support and finance growth. Take a good look at your inventory management process and identify areas where cash is trapped.

Good management of working capital is not just about better control of debtors and stock, it is also about maximising the terms given by creditors. Are you too eager to maintain a first class relationship with your suppliers by paying well before the due date? You can positively impact your cash position by taking full advantage of terms offered by your suppliers. Have you fully leveraged your position by seeking an extensive of terms from say 30 days to 45 days?

Being more efficient in how working capital is managed can release sufficient funds to self-finance growth plans.

Personal Resources

With traditional avenues of funding being more difficult to access business owners are now looking to their personal resources to fund growth. Whether it be drawing on cash savings, using personal credit cards or taking additional mortgages on residential properties, such sources are an instant solution. A survey by the Federation of Small Businesses found that 33% of respondents had utilised their savings to fund growth. As well as being more immediately accessible using personal resources is often a cheaper source of finance.

Family and Friends

Sometimes referred to as the three F’s – family, friends and fools – this can appear to be a less stressful way of raising finance. In some ways it can but it can also be a journey fraught with danger. Tapping into their personal network business owners source finance by either seeking a loan and offering to pay an interest rate higher than that on offer on a High Street savings account, or offering a slice of equity in the business in return for investment.

Raising finance in this way can be relatively easy because the request and fulfilment is very much based on personal trust. Typically a Business Plan would be presented highlighting both the investment opportunity and the risks but at the end of the day success is down to the depth of the relationship and level of trust.

The danger in raising funds this way is that the nature of the relationship will change from that of a personal nature to a business transaction. Failure to regularly pay as per agreed terms, or even total failure to pay, can irreparably damage the relationship so tread with care.

Asset Finance

The Asset Finance industry is based on the concept of either preserving cash or speeding up access to it. Asset finance, which consists of invoice discounting, factoring and funding of asset purchases, has been available as a source of finance for many years, yet it’s only now gaining more recognition. Figures released by the Asset Based Finance Association, a trade association representing the industry, show that to the third quarter of 2011 the amount financed by the Association’s members increased by 9% compared to the same period in the previous year. Whilst the increase may not seem significant it is against the backdrop of a fall in traditional bank lending.

In a world where ‘cash is king’ asset financiers help preserve cash by financing the purchase of assets such as vehicles, machinery and equipment. Because the financier is looking to the underlying asset as security there is usually no requirement for additional collateral. According to the Asset Finance and Leasing Association one in three UK businesses that have external finance now utilise asset finance.

Asset financiers can help speed up the flow of cash within a business by allowing quicker access to cash tied up in the debtor book. An invoice discounting and factoring facility gives businesses the ability to immediately access up to 80% of an invoice instead of waiting for the agreed credit terms to run their course. Such finance facilities will speed up the velocity of cash within the business thereby allowing the business to fund a high rate of growth.

New players such as Market Invoice are entering the market to allow businesses to raise finance against selected invoices. Tapping into high net worth individuals and funds Market Invoice acts as an auction house with funders ‘bidding’ to advance against certain invoices.

Crowfunding and Peer-to-Peer

A relatively new phenomenon is the concept of raising finance by tapping into the power of the crowd. The historically low rates of interest payable on savings have led to depositors seeking out new ways to increase their returns. With business owners struggling to raise the funding they need it’s only natural that a market would be created to bring these two parties together.

CrowdCube entered the market in 2010 to match private investors seeking to be Dragons with those businesses looking to raise capital. Once a business passes the initial review stage their proposal is posted on the site and potential investors indicate the level of investment they wish to make with the minimum amount being as low as £10.

Businesses looking for a more traditional loan should consider Funding Circle. Established in 2010 Funding Circle also matches individual investors looking for a better return with those businesses seeking additional finance. Businesses can apply for funding between £5,000 and £250,000 for a period of 1, 3 or 5 years. As a minimum the business has to have submitted two years Accounts with Companies House and be assessed in order to arrive at a risk rating which guides potential investors.

As the crowd sourcing concept matures we are likely to see more players enter this market to capitalise on the need for better investor returns and easier access to business finance.

This is a Sidebar position. Add your widgets in this position using Default Sidebar or a custom sidebar.