VideoUniversity.com
Home Free Library Store
Free Catalog

Please support VU by making your B&H purchases and links through this B&H ad. Doesn't cost a penny more. <a href="http://www.bhphotovideo.com?BI=603&KBID=1017"><IMG src="/images/flash_ads/videoUniv2_revised_conv.jpg" alt="B&H Photo" width="260" height="70"></a>
Video University Sponsor
Advertisement

See The New VU Postcard Catalog

To post in the forums see the Forum Guidelines.

Join or Renew Today.
New Benefits for all VU Members
Forum Guidelines and FAQ
Main Index Search Posts
Who's Online Log In


Home: Video University Forums: Marketing & Business:
Small business loan help!!!

 

 


X-Mark_Newman
Imported Account

Mar 13, 2002, 1:15 AM

Post #1 of 4 (783 views)
Shortcut
Small business loan help!!! Can't Post

Hey there. I'm one of those lucky guys that got laid off from a programming joB and Have decided to change my career. I've been doing video as a hobby and on the side for quite a while. I do mainly weddings, events, training videos, and legal depositions.
Well, I've decided to go all out on this new venture because I know it will work.(there are a lot of other reasons that I know this is what I'm supposed to do but I won't get into it here)
Anyway, here's my problem: Money! I know money isn't usually a problem getting into this business...NOT! I know money is usually THE issue.
I use a Sony VX2K and premier,after effects, etc... I use my Sony continuously and know one day its going to act up on me when I least need it too. I need to get a second or third camera. And a lot of other things. I know the reason that a lot of new business fail is that they don't have a plan and don't go all out. I guess what I'm trying to say is that I need a loan to do this thing right.
How does one go about getting a small business loan? There has got to be some way for little ole me who has NO income due to being a victim of the downward economy to get help from the government that I so honorably have supported all these years! My credit isn't the greatest but I do have a house! I know there is some equity in there.
Any help out there at all that you know about? Thanks.
Any help on creating a business plan would be good too.
:)
Mark Newman


X-weeder
Imported Account

Mar 14, 2002, 11:28 PM

Post #2 of 4 (782 views)
Shortcut
-== sell bud ==- [In reply to] Can't Post

That's just my advice. What is bud? I don't know, but those guys with long hair seem to like it. Pizza guys too.!!! Hope this helps, SHaggy.


X-kp
Imported Account

Apr 1, 2002, 9:23 AM

Post #3 of 4 (782 views)
Shortcut
Re: Small business loan help!!! [In reply to] Can't Post

Hey there...
Here's a little story for you. At one point a few years ago,
I also decided to pull the trigger and get into this business.
Also felt that I had the talent and desire to do it. Also had
all the money I needed at the time and bought everything
I needed. VX2k, Premiere, MediaCleaner, blah, blah, blah.
The more I sat there and pondered what I had, the more I saw
that ... um... I didnt have a customer to use the stuff for!
I needed customers, not more stuff. Customers, um.. oh yeah.
Gotta remember.. customers.
Just ask yourself this question. If you could have one thing,
what would you rather have. A loan or Customers
The reason why so many businesses fail is because of a lack
of money. And the lack of money comes from a lack of cashflow.
And a lack of cashflow comes from a lack of paying customers.
And a lack of customers comes from a lack of marketing.
This is THE bottom line.




X-MJS
Imported Account

Jul 17, 2003, 1:33 AM

Post #4 of 4 (782 views)
Shortcut
Decisions To Start Dealing Can't Post

 
There are lots of different reasons people choose to start selling marijuana. To save money on smoke or to make a little side cash, obviously, are the main ones. But there are many more. For a few wonderful people, just the joy of providing their friends with the happy-grass, is reward enough, or the knowledge that they’re helping to fight government tyranny. The feeling of rebellion can be tremendously rewarding. Another major reason to start is simply to become more popular and bring a little excitement into your life.
Also, the skills you learn in a year or two of drug dealing can benefit the rest of your life. Drug dealers can become good judges of character, and learning what types of people you can trust is crucial in many areas of life. The social skills you learn are very helpful, as is the ability to apply mathematical concepts to your life, and the money management skills. Self-control, and the ability to say no and be firm, are also both important skills a good drug dealer learns over time. Drug dealing also teaches and promotes something psychologists call post-conventional moral reasoning, which is a person’s ability to look beyond government’s laws and social prejudices in order to understand the true difference between right and wrong—which in my opinion is absolutely vital to maintaining a rewarding life. And perhaps, most importantly, risk assessment abilities—the skill a good dealer learns to break choices down and assess them based on actual risks and possibilities instead of emotions and preconceptions.

Before you ever make your first deal, however, you must ask yourself one question: If by some freak circumstances you were to get arrested for selling pot, would you have the courage to bite the bullet and go to jail and refuse to work with the police?
Too many people don’t bother to ask this question before they get in over their heads, and don’t understand that police will stop at nothing to get them to turn in their friends. They will believe all the lies the police feed them and wind up making their own situation significantly worse.
If you have any question about your moral stamina, you should think long and hard about your decision to start selling.
My goal, however, is not to scare you out of starting in the business. It’s actually fairly easy to avoid being busted if you follow most of my suggestions, and even if you are busted, as long as you remember not to speak until you have a lawyer, it’s usually very easy to weasel out of a conviction or get away with a slap on the wrist. Most of the weapons the government uses against drug dealers are just scare tactics.

But there’s other things to consider before you start dealing: your individual safety level, first and foremost. Do you have parents who are ready to call the cops to try to teach you a lesson, or a nosy next-door neighbor? Are you already a target for police? Do you have a problem of running red lights? Do you like to wear ripped Pantera shirts with a jean jacket and spikes, or do you wear slacks and a shirt with an alligator on it? One type of person attracts cops quicker than the other.
Another major consideration is your family situation. There are certainly countless teenagers that sell pot and hide it from their parents. I don’t approve of hiding or lying, but sometimes people can be very closed minded and there is no other option. I imagine there are people who deal but hide it from their spouses. This is a very bad idea. You probably wouldn’t be able to hide it from a boyfriend/girlfriend or anyone you live with, and would wind up causing problems in the relationship. Vengeful exes are also a very common way that people get busted.
And you must ask yourself about the consequences of someone finding out who doesn’t approve. Would you cause per to stop and think and to open per mind or would you cause per to yell, scream and panic or call an intervention?

Ask yourself if you have a safe place to make the deals. You must ask yourself if you wish to sell from your home, make deliveries, or both. For small time dealers, selling from your home is often best, because you have control over the environment and the police usually need a warrant to do anything to you in your home. This is a problem, however, if your customers don’t wish to wait for the required half hour in your home, or if you have so many of them as to attract your neighbor’s attention. A second choice is your own car. It’s more convenient, but not as secure. Cops can pull you over and search you with very little evidence. Dealing becomes more dangerous when you’re forced to rely on other people to provide the deal locations. I don’t recommend this line of work if you’re going to need to make lots of deals in parking lots or other-people’s cars.

Do you have prior convictions that would add time to your sentence if you happened to get busted?

Do you have a desire to go into any field where a drug conviction would destroy your career? Would you lose your current job if convicted for dealing?

The final thing to consider in your decision to start selling illegal drugs is your own personality. Do you have the self-discipline to avoid smoking your profit? Do you have the skills to read people and decide if they’re trustworthy, and do you have the courage to refuse service, even when they’re waving money in your face? Do you know how to listen to your gut? Do you have basic math skills and the ability to keep track of your money?

But most importantly, you must ask yourself if you have the required connections. You can’t go out and turn over an ounce if you don’t have any reliable way of buying an ounce. Since it can be risky to aggressively seek suppliers, it’s best not to think about selling pot yourself until you have someone you can trust that you know can hook you up with the quantity you need.

So just take a few minutes to think about these questions before making any decisions.

Obviously your situation can never be ideal. I’ve seen a lot of people get into the business without a clue about what they were doing and not see any serious consequences. Your decision to start selling pot all depends on the amount of risk you’re willing to take as compared to the money or other benefits. Some of us like to feel safe and secure and the thought of a night in jail and 100 hours of community service is one step up from hell, while others need risks in order to feel alive. Assess your personal risk level, read the rest of this book, and take a long look at the decision from a logical standpoint.