The best resource to find grants, loans and financing for entrepreneurs is the federal government's website
http://www.business.gov. There, you will discover a wealth of resources for all kinds of small business owners, including:
* Those just starting a business
* Current entrepreneurs trying to grow their operations
* Women
* Minorities
* People with disabilities
* Those in rural communities
* Home-based business owners
* Members of the military
* Individuals seeking government contracts, and more
For Minority-Owned Businesses
For example, here is
a link to the section of the website that offers help for minorities who are launching a business, or trying to expand one:
www.business.gov/start/minority-owned.
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Customers From Hell
Poke and Sniff
AOL User remotecandy Says:
"I was shopping in the meat department ... when I noticed a woman picking up various packages of meat, poking holes in the wraps and sniffing each package before she put the package back where she got it. I was not only appalled, but was disgusted ... I notified the meat department manager and he talked to this woman ... She lost it, calling the meat manager every name in the book, and proceeded to randomly poke holes in meat packages that she had no intention of buying. Because the store security people couldn't handle this woman, they called the police, but the woman made it out of the store just in the nick of time."
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BlackVoices.com
Customers From Hell
Poke and Sniff
AOL User remotecandy Says:
"I was shopping in the meat department ... when I noticed a woman picking up various packages of meat, poking holes in the wraps and sniffing each package before she put the package back where she got it. I was not only appalled, but was disgusted ... I notified the meat department manager and he talked to this woman ... She lost it, calling the meat manager every name in the book, and proceeded to randomly poke holes in meat packages that she had no intention of buying. Because the store security people couldn't handle this woman, they called the police, but the woman made it out of the store just in the nick of time."
Customers From Hell
Anchovies Are Fish?
AOL User Bballxlovex25 Says:
"A customer ordered anchovies on a pizza from our pizza place. She called back after receiving her delivery order to complain. She stated that she ordered anchovies on her pizza and received fish. We told her that anchovies were indeed fish and that was what she ordered. She proceeded to yell that she, "Did not want these f***ing fish!" on her pizza. Her son proceeded to tell her that she ordered anchovies and that they were fish. She threatened the manager by saying she was going to beat up the manager's mother and husband."
Customers From Hell
Watch My Child More Closely!
AOL User AJH89 Says:
"I work at a restaurant and this lady and a little boy, about four or five, came in to eat. The little boy sat down with his mom and peed in his pants. The lady told me it was my fault because I did not tell her that the little boy looked liked he needed to go to the bathroom. She wanted us to give her dinner [for] free. I could not believe it."
Customers From Hell
Send Me the (Chicken) Bills??
AOL User Gerrydee1 Says:
"As a young girl right out of school, I worked in the Customer Relations Department of Sears-Roebuck in Philadelphia. This was the mail order division. My job was to handle complaints via letter from customers and route them to the correct place for their problems to be solved. I received a note from a farmer that said his latest sale from the catalog of poultry ... included some dead on arrival. My supervisor told me to write him back and asked him to send the bills from the sale indicating how many, and we would gladly replace them ... A package arrived with my name on it soon. It smelled funny even before I opened it. When I did, the dope sent me the actual bills (beaks) from the poor little chickens. It smelled to high heaven and freaked me out."
Customers From Hell
The 50 Cent Man
AOL User Srileysmomma Says:
"I work in a restaurant as a waitress. My worst customer has to be the 50 cent old man ... In comes [an] old man; he's a local so he comes mostly every other month or so. He orders the same thing [every time] -- he always wants a 3/4 cup of coffee ... then he will order [a] filet sandwich with mashed potatoes ... When it comes out it's automatically cold no matter what ... and [he] will leave 50 cents [for tip], not even ten percent."
Customers From Hell
Labels up!
AOL User JCDIFFEY Says:
"[This] lady came into our station for full service lube and oil change and wanted her tires rotated. She returned about two hours later, went to her car and came inside the shop, really mad. She wanted all the wheels with the design on them to all FACE UP. [We] tried to explain, the first time you drive the car [they] will change and [will] not be the same. She refused to pay the bill unless we corrected the problem. We pulled the car on the rack and made all the wheels look the same. She paid bill and departed a happy customer. We let her drive it off the rack."
Customers From Hell
Sued By a Customer
AOL User Jmill39 Says:
"Being a landscaper, I had a neighbor who called me at 5:30 to 6:30 a.m. to come over and plant plants, hang Christmas lights and shovel snow. She did this almost daily. Happy to make a buck, I went over and worked. One time she added this goofy room to her house which made her back yard a dirt mess. I quoted her prices ... to repair her backyard ... She wanted it done in two days time. It was impossible, I explained because I'm a one man crew. The next day she had a contractor out doing and undoing all the work I had done. A month later I received a notice in the mail that she was suing me for the money she paid me for the job."
Customers From Hell
10 Percent Bad, 90 Percent Good
AOL User Hbs001 Says:
"I used to work for a ski resort in the food and beverage department. It always amazed me when people would eat 90 percent of their meal, then take it back complaining of the quality and demanding a refund. The more you tried to reason with them about having eaten so much, the louder they would get. In almost all cases we would give the refund just to prevent a scene."
Customers From Hell
I Don't Make the Rules
AOL User Ford4x4ldy Says:
"I've worked in retail almost thirty years and I've noticed that customers get meaner as the years go by. I've had people call me stupid because they misunderstood something or scream at me because they didn't save the receipt for a refund. Nowadays most retailers require receipts for refunds. Have they been living under a rock or just don't think the rules apply to them? I don't make the rules, so why take it out on me? How hard is it to save a receipt? I've also had people say I was rude to them because I was smiling at them. How crazy is that??"
Customers From Hell
Customers on Cell Phones
AOL User WinstonDoubtfire Says:
"This didn't happen to me personally, but it happened to one of my co-workers at a Wal-Mart where I work. Doing what a cashier does, she was checking out a lady who was too busy talking on her cell phone to acknowledge the cashier by saying hello or anything else ... When she hung up and looked at the cashier and said rudely, 'Well, hello.' The cashier decided to give her the same acknowledgment she'd been given and just stared right back at her without answering. [The woman] rolled her eyes and said, 'Sheesh, don't you Wal-Mart employees ever speak?' and stalked off."
Customers From Hell
For Women-Owned Businesses
Here is
a link to the area within the site that lists dozens of programs specifically for women:
www.business.gov/start/woman-owned/.
The U.S. Small Business Administration also has a list of Women's Business Centers that can be a great resource. It's a network of entrepreneurship centers found all around the country, where people can get in-person help and educational support to grow a business. To find a local Women's Business Center,
click here.
For Non-Profit Entrepreneurs
Additionally, here's a link to information for non-profit entrepreneurs:
http://www.business.gov/start/non-profits/.
In addition to traditional grants and loans, those starting a non-profit organization are eligible for benefits such as tax exemptions, government surplus and discounted products and services from the government. Be aware that the majority of financing programs for entrepreneurs from the U.S. government involve loans. But there are many grants too. You have to do your homework and hunt around for what's available.
Do Your Homework
Start by using the Loans and Grants Search Tool on the
business.gov website. Find the search tool by clicking
this link. It will track down specific programs you may qualify for, based on your industry, your personal background, where you live, etc. Don't forget to inquire about specific government programs that may be available in your own state, county and city as well. You can usually find these programs through your state's Office of Minority and Women Business Assistance.
Does the SBA Offer Grants? Mostly No, But Sometimes Yes
According to the SBA's website: the "U.S. Small Business Administration does not offer grants to start or expand small businesses, though it does offer a wide variety of loan programs. While the SBA does offer some grant programs, these are generally designed to expand and enhance organizations that provide small business management, technical or financial assistance. These grants generally support non-profit organizations, intermediary lending institutions and state and local governments."
So does the SBA offer grants to small businesses or not? The short answer is: Not really, since grants only go to a limited group of entrepreneurs. To see if you qualify, visit
this SBA link for more information on specific federal grant programs from a multitude of government agencies:
www.sba.gov/services/financialassistance/grants/index.html.
If you really want to be an entrepreneur, and you truly need financing, you must be willing to take the time to explore any and all legal options available for raising capital. In addition to the business.gov and sba.gov websites, try exploring grant programs at:
www.grants.gov and the U.S. Department of Commerce's Minority Business Development Agency (
www.mbda.gov), which offers resources on everything from financing opportunities to landing government contracts.
Good luck to anyone making the leap to entrepreneurship!
Lynnette Khalfani-Cox, an award-winning financial news journalist and former Wall Street Journal reporter for CNBC, has been featured in the Washington Post, USA Today, and the New York Times, as well as magazines ranging from Essence and Redbook to Black Enterprise and Smart Money. Check out her New York Times best seller
'Zero Debt: The Ultimate Guide to Financial Freedom.'
Comments: (8)
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By: Heidi Richards Mooney on 5/22/2010 10:46AM
Thanks for the list.... WE Magazine for Women recently published 125 Grants, Loans and Scholarships for Women at http://wemagazineforwomen.com/125-grants-loans-and-scholarships-for-women/
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By: NappturalMisstic on 8/05/2010 11:24AM
This is such valuable information! Thank you!
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By: Loan Advice on 6/26/2010 8:55AM
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By: Best Loans on 7/13/2010 2:28PM
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By: Rev. McDonald on 2/27/2011 5:26PM
I want to say Thank You! Yes, it's awesome to see someone doing what I've tried to do for so long. It seems I've gone down wrong avenues, referring to helping people find "Legitimate" Grants, Sites and Opportunities. I definitely want to "link up" with anyone that's honest and wants to help others as partners. I have "Professional Grant Writers" who are available to write grants, but my intent is to show, as this site does Links, Programs, Places, etc. for those who have a sincere desire to buy, expand or start a business. I would also like to help people find "College" grants so they can better his/her self, whether going to or back to school. Thank You once again for this blog.
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By: Johnexo on 1/07/2011 1:05AM
Before going for a loan, make sure that you have browsed all the available solutions for your cash problem before deciding which loan you would go for.
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By: peris memusi on 3/17/2011 2:43AM
we are a group of maasai women who are devoted in changing the lives of our people and the face of our community. we live in the remotest part of kenya beneath mount kilimanjaro. we are facing many challenges and we will accept any help you would offer us. we are called: ENKII GREENLAND WELFARE GROUP. what do we do?
1. descouraging female genital mutilation
2. teaching about enviromental conservation
3. finding sponsors to fund poor unfortunate kid's education.
4. creating awareness about HIV/AIDS.
5. teaching about drug abuse and early pregnancies.
we accept clothes, shoes, stationery, learning materials, long lasting foods, e.t.c. you can ship or send them through post office to: p.o box, 282 loitokitok 00209, kenya, east africa.
you can reach us on tel: (254) 712619180, (254) 737253649
write to us on: periskaranja2010@yahoo.com
send your donations to barclays bank account number 016 - 4560732, bank swift code BARCKENX
WE ARE FOREVER THANKFUL. MAY GOD BLESS YOU.
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