Writing Quality Online Content On Educational Topics

With the future of education in limbo and everyone drawing lines in the sand and picking sides, it seems there is enough chaos and controversy to fill up a 1000 newspapers with articles about how we ought to be running our education system. Whereas, we as Americans all seem to agree on the importance of education, it appears to be the getting everyone on the same pages as to how to get there which may never be agreed upon, in fact, I bet you’d agree to all this so far right? Good, so let’s talk.

Think about all the sub-topics available for education article writing, you can write about getting admitted to the college of your choice, choosing which college to attend, and the need for stronger education in subjects of math and science. You can also talk about controversial topics such as the political correctness, socialism slant, and left-leaning professors indoctrinating students in college. And if you do like contentious issues, education is full of them, here are some more things that I’ve written on and you can too:

Vouchers
School Sports
Homeschooling
For-Profit Colleges
College Tuition Costs
Student Loan Problems
Special Education Needs
English As a Second Language
Rote Memorization and Creativity
Standardized Testing and the NCLB Law
Teachers Unions, Pay, Legacy Costs, Tenure
Textbooks Versus Digital E-Textbook in the Future

Indeed, I would urge all online article writers as the 2012-2013 school season begins to put forth your very best articles on these topics and topics of a similar vein. Education is on everyone’s mind, and not just because it is an election year, because it very much has to do with the future of our nation. We are only as good as our schools were 20 years the prior. If we mess up our education, we will have hell to pay, and we will find ourselves nothing more than a footnote in the annals of history of great nations which once were.

Keeping the topic of education at the top of our list in our society guarantees that we will continue to put energy in the right spot and as our civilization becomes more technologically advanced we need well-trained, well-schooled, and highly educated people to run it. Just because in the future the robots may be doing all the work, or our education system may be completely be online that doesn’t mean we don’t need educated folks to make it work. We definitely will.

It is my hope that you will please consider all this and think on it, and put in your two cents when it comes to education, let’s hear about your ideas, innovations, and new concepts to take this great nation forward.

Why Is It So Difficult To Lend To Small Businesses

Small business have always had a hard time finding and securing financing – regardless of the state of the economy. But, why is this so?

There are several reasons:

There are mainly two types of organizations that provide small business loans.

First – Funds:

1) Your typical bank or traditional financial institution. These organizations normally get the money that they lend out to businesses from depositors – individual and businesses that expect their money to be there when they need it. Thus, these organizations have a further fiduciary duty to protect those funds from any harm.

2) Private Lenders. These organizations typically get the money that they lend out from investors. Now, these investors know (or should know) that there is always risk in any lending or investment activity. And, for that risk, they expect higher than average returns on those investments. Those who manage those funds (the private lenders), in order to stay in business and continue to receive those investment dollars, know that they have to both lower any risk as well as meet return expectations.

Why this matters: Banks have to ensure that they are not taking undue risk with other peoples money. If they fail in this duty, they can be fined, regulated or closed. Thus, they are really tight about risk.

Private lenders are essentially in the same boat. While they want to take more risk (in hopes of getting more reward for it) they just can’t really pull it off out of fear of losing too much on that risk and thus losing their investors – no investors, no business.

As a side note – all these organizations are in business to make money – not lose it.

Second – Regulation:

The financial industry is one of the highest regulated industries in the world. Banks bare the brunt of these regulations (has to do with the other people’s money aspect).

One of the most detrimental regulations to banks, when it comes to lending, is the Allowance for Loan Losses (ALL) Accounts that these organizations have to reserve for.

In a nutshell, a bank has to typically reserve up to 10% of all outstanding loan balances in a separate ALL account. Thus, if a bank puts out a $1 million loan, they also have to reserve in their ALL account 10% or $100,000 – money that they have to hold back and can’t put out in other loans.

Now, history has shown that small businesses tend to be more risky. In fact, according to the SBA, small businesses have averages between 12% to 18% default rates – and, up to 60% for some of the SBA’s more risky loan programs like micro loans.

Further, when the regulators come to visit these banks and see a higher than average level of small business loans, the regulators can require these banks to increase their reserve amounts to 15%, 20% or higher to cover the potential risk.

Banks tend to frown upon these reserve requirements as it takes money out of their lending coffers – money that they can’t put out in any loan type and thus can’t earn any revenue (interest and fee) from. Thus, they tend to do all they can to avoid having their reserve requirements increased and, in some cases like our current economy, tend to pull back all loans as not to have to fund these ALL accounts at all.

Private lenders on the other hand, do not face many of these same government regulations but do face scrutiny from their investors – which can result in the same type of pulling back loans to small firms. Also, these private lenders are regulated in how much they can charge in interest rates which puts a floor on the level of loans they are willing to underwrite and fund.

Example: A bank might be able to charge say on average 8% for a loan. This 8% covers their cost of funds (2%), their overhead (3%) and their profit margins (3%). Private lenders also have the same overhead costs (3%) and profit requirements (3%) but have to return some 10% or more to their investors – their cost of funds.

This means that they have to charge higher rates – which could be capped by regulations. Thus, many of these lenders will try to work around these higher rates by focusing on larger loans from less risky borrowers – not to essential earn more but to reduce their level of defaults.

Why does this matter? It is hard to lend outside the box when the walls of the box keeps getting higher and higher to overcome.

Third – Cost:

Most businesses that bring in more customers can achieve an economies of scale by spreading overhead costs over more customers. But, it’s not so in banking or private lending.

Let say that it takes 10 man hours to underwrite a loan – regardless of size. Man hours used to meet with borrowers, collect documentation, perform analysis, create documentation and manage the loan process. Thus, a lender can underwrite 10 small business loans of $100,000 each and spend some 100 man hours doing it. Or, they can underwrite a $1 million loan and only spend 10 man hours. Both would provide the same return (provided they both had the same rate and term) yet, the 10 loans would cost 10 times as much – eating into the lenders profit or investors returns.

Why does this matter? Because managing costs is a great way to improve a business’s profits (and, that is what they are in business for).

Thus, why it is so difficult to lend to small businesses is due to the trade-off between risk and reward. Small businesses have too much risk for such little reward potential.

Why, you might ask, do I bring this up? Because I am seeking input from others on new, innovative ways in which we can change lending to small businesses – ways that may take away or mitigate the risks involved and to help ensure adequate returns on these loans.

How To Succeed At Online Product Creation The Easy Way

Product creation could be a frightening subject for a lot of Internet marketers to face. Some folks who get in the game with the intention of making a full time income are completely ignorant as to how an online business operates. One of the most profitable ways to create online cash is by creating a product that others are happy to pay for.

Product creation is legitimate method of generating money through internet marketing but many entrepreneurs get it wrong. They start by imitating their Internet marketing gurus by creating information products on Internet marketing in hopes of getting rich the way their heroes did. The problem is that they usually don’t know what they are doing and enter a highly competitive niche with very little marketing experience or connections.

Here are a few tips for effective product creation that may help you get on the right track:
Start by finding a profitable niche with low to moderate competition. If you conduct some rudimentary market research and keyword research, you’ll find many opportunities in areas that will surprise you. Amazon and eBay are two great places to brainstorm for product ideas.

Developing Your Product does not have to be a difficult project. You can find experts in the right field for your niche and pay them to write the material while an artist designs the packaging and website or blog. You can outsource the entire product creation part of the project after you conduct the research and testing to ensure profitability.

Sales and marketing strategies should be created while developing the product and learning about the market. Some experienced marketers use pay per click to drive traffic to their offer page; some folks outsource the entire marketing campaign to affiliates through ClickBank or other affiliate programs.

Product creation does not need to be hard, particularly when the merchandise is electronic. E-books, videos, audio and multi-media products sell very well. They are distributed immediately to customers electronically. Once you have a good feel for a niche market, try to service your customers with associated products and upgrades. If you want to earn money online through product creation, you must understand supply and demand. The majority of new online marketers fail miserably because they go after highly competitive markets or forget to research their chosen niche properly. You have to create your products according to the needs, wants and desires of the prospective customers.


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