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Setting up a small business in Canada requires determination, motivation, high moral and know-how of the business. Following are the steps you need to follow to start up with small business.

Identify Your Business Opportunity: Identify the best possible business for you from the multiple opportunities. It is important to find where you desire lie to understand your personality type.

Prepare a Business Plan: Business plan is must for any business, a business plan permits you to gain a better understanding of your industry structure, competitive landscape, and the capital requirements. Business Analyst observes that companies with business plan have 50% more profits and revenue than non-planning businesses. Writing a business plan just makes good business sense.

Get Start-up Money: To start any business, capital investment is must. Start-up funds for every business is different depending on type of business selected. Finding the money you need may come from a source you never thought of. In Canada the sources of getting money are following:

Canada Small Business Loan Program:

It helps you with your financing needs. Under this program, the Government of Canada makes it easier for small businesses to get loans from financial institutions by sharing the risk with lenders. Program works following ground:

- Who is Eligible: Business which can carry profit with gross annual revenues $5 million or less.

- Who is not eligible: Business which does not fall under Canada Small Business Financial Program is farming business, non-profit organizations, charitable trust and religious organizations.

- How much financing is available?: Provides up to $500,000 of financing, from this no more than $350,000 can be used for purchasing leasehold improvements or improving leased property and purchasing or improving new or used equipment.

- How to apply for Loan?: You need to apply for loan at your bank. If the bank decides to grant you a loan, they register it with Industry Canada. The list of lenders are ATB Financial, Bank of East Asia, Bank of Montreal, Caisses populaires Acadiennes, Caisses populaires de l'Ontario, Canada's Credit Unions, Canadian Imperial Bank of Commerce, Canadian Western Bank, GE Capital Financial Services, HSBC, Laurentian Bank of Canada, Mouvement des caisses Desjardins, National Bank of Canada, Royal Bank of Canada, Scotiabank, TD Canada Trust.

Note: Agri-Food Canada has a similar program for the farming industry.

Canadian Youth Business Foundation:

- It is a national charity that provides young entrepreneurs.
- Young entrepreneurs from 18 to 34 may get up to $15,000 as a start up capital, with flexible three to five year repayment schedules.
- 2-year mentoring program need to be attended where you are matched up with dedicated business mentors or business professionals.

Business Development Bank of Canada (BDC):

- It is a financial institution wholly owned by the Government of Canada. BDC plays a vital role in delivering financial and consulting services to Canadian small and medium-sized businesses.
- Co-Vision loan can be up to $100,000, which can be repaid over 6 years. If needed, entrepreneurs can postpone principal payments for 12 months.
- Co-Vision specifically targets businesses in the manufacturing, distribution, services and tourism sectors.
- Projects such as working capital, acquisitions, fixed assets, marketing and start-up costs, or the purchase of a franchise can also be financed under Co-Vision.

Name Your Business: What's in a business name? Find the right name which will distinguish you from your competitors, provide your customers with a reason to hire you, and aid in the branding of your company. Learn what you need to know to find a name for your business.

Select a Business Structure: Deciding on the Business Structure is very important decision; this decision should not be taken lightly. Whether you choose the popular Limited Liability Company (LLC), a sole proprietorship or form a corporation; your choice will have an impact on your business liability, fund-ability as well as taxes due.

Get Your Business License and Permits: Depending on your chosen business structure, may need to register your business with the state authorities. Setting up your small business may require an employer identification number (EIN) which is also used by state taxing authorities to identify businesses. Additional paperwork can entail sales tax licenses, zoning permits and more.

Set Up Your Business Location: One of the multitude of tasks in starting a business is the setting up of your office. There are many steps in office set up including where to locate your office (home or office space), buying the necessary office equipment, designing your work space and getting supplies.

Get Business Insurance: As a new small business owner, you have the responsibility to manage the risks associated with your business. Don't put your new start-up at risk without getting the proper small business insurance to protect your company in the event of disaster or litigation.

Maintain Accounting System: Unless you're from accounting or finance background, the accounting and bookkeeping aspect of running your business can't be avoided. Maintaining your Accounts will help you to understand the financials of running a business and advert failure.

Along with the above you also need to know business legal structures, taxes like GST, PST, Payroll tax and Corporate Income Tax and employer obligations. You can also acquire information from any Business Directory Canada, Online Directory Canada, Yellow Pages Canada or Business Telephone Directory Canada.

Conclusions: There are many entrepreneurs who have lost their everything due to failure in their business. This article will help as a pathway to those who need to Setup a Small Business in Canada.

Since time immemorial, a system had already been in place to properly guide us on how we should conduct our daily lives. The system started as crude but with ingenuity, progress in this area has provided a way for human beings to enjoy the refinements of life. If we could only tap the full capacity of our intelligence, there is no way to measure what the human mind can possibly conceptualize and create.

Without technology, we wouldn't be where we are now. A tech company has been constantly on the move to invent products and services all designed for automation. You don't have to be an experienced analyst to think where all these is heading. Common sense will tell you, tech companies are in for the long haul and they are here to stay.

In 2009, the Japanese electronics maker Nintendo bagged the no. 1 spot for the top 50 companies in the world and the past 5 years have been witness to a 36% rise in sales annually. Games are really fascinating, huh...tell you something. A tech company, believe me, will consistently play a bigger role as the market demands continue to rise. It would be wise to consider putting in some of your money here. Well, there is a huge database of electronics companies for you to choose where to invest. Is it profitable? Yes. It can make you rich. Successful investors knew it when the tech company trend was just relatively small, to say the least, was unknown when it just started out..

For those whose interests lie in information technology, investing here would be the best move. Thousands upon thousands are turning to the internet everyday. Business opportunities in the internet are growing by leaps and bounds as people have discovered work from home jobs. If you have been skimming all along, it's time for you to take action. Thousands of low-key investors have become millionaires in the tech company feat doing their business from the comforts of home. I'd say, I'm one of these guys. Just don't forget, do your own research so you can make an intelligent decision.

The tech company niche has had its share of ups and downs, too. For as long as you are in the field of investing, expect times like these. But this should not stop you from making that critical move. Tech company fields have tightened their belts because they knew they'll ride it out. It is extremely valuable for you to make your own in-depth analysis.

You may not have heard of Carlos Sim but he is the stalwart behind America Movil, considered the fourth largest cellular carrier with more than 190 million subscribers. With the right management philosophies, business outlook and well-thought out strategies, such tech company does promise a bright future and ensure profitability many times over. These companies too, continue to expand in developing markets driven by a firm belief that consumers will always hunger for new, modern gadgets and ideas. So, do not stay in that warm cocoon. Make or break, you need to take action now. This sector does not promise substantial returns but awesome profitability, indeed.

The South Florida region knows too well that the real estate slump has truly hit the housing industry real hard, with vacancies rising and leasing rates falling down.

While the residential markets are bearing the brunt, surprisingly, commercial properties here continue to fetch record prices and have remained buoyant because of much lower vacancy rates.

A Quick Overview Of Commercial Property Markets In South Florida

A closer view of the areas markets reveals just how poorly commercial real estate is faring, at least in terms of occupancy. In Miami, for example, residential units in the central business district increased 55% since 2000, while the office increase was 9.5%, according to local real estate industry observers. And even if developers contemplated a new office building, the construction companies were likely tied up with residential jobs until recently, notes some analysts. Overall, South Florida's economy has been steadily improving, and those forces have combined to boost the office market there.

Why The Commercial Market Wasn't Hit As Hard As The Residential Sectors

According to housing market analysts, unlike the residential market, where investors are most often private individuals, commercial real estate investors are more diverse and not nearly as tied to mortgage rates. Commercial property market also investors include institutional buyers such as pension funds that pay cash instead of borrowing money. Many analysts have noted that there's still strong demand for commercial real estate, particularly among foreign investors, and many don't see any slowing of investor interest, particularly in retail and hotels.

As home-ownership trends are tied directly to income and interest rates, observers have noted that home buying was made unusually affordable in the past few years because of low interest rates and the popularity of mortgage-financing options such as interest-only loans. This trend has led to high demand, a lot of speculation and lots of new building.

However, when interest rates began to soar, it became much harder for individuals to afford or even to qualify for housing loans. This end result has produced a glut of homes and condos in many areas. While interest rates also affect commercial mortgages as well, cheap debt has been one major factor why there has been so many bidders on the commercial buildings sold over the past few years, which have pushed prices to record levels and yields to record lows as well.

The Office Markets May Be Slow, But The Retail Sector Is Booming

Some commercial market analysts note that they are seeing some softness in the office sales market, particularly in Broward County, where they aren't well tenanted, but are seeing high demand in the retail sector, where grocery store-anchored centers are selling quickly as soon as developers finish them. Rental rates in the west Miami-Dade industrial markets] are down currently, however, the value of commercial properties has gone up, even in weak markets like today, as more investors prefer real estate more than equity markets, and have paid premium prices to be in this real estate market.

The Florida commercial real estate market continues to remain a cyclical industry notes industry analysts, and it is early in the office sector's recovery. Those investors who paid really high prices for commercial buildings, especially those who funded these using floating-rate debt or interest-only loans in the early years, are hopeful on their optimistic growth projections to deliver.

To be exact, the office recovery is uneven in most markets, as longtime struggling office markets like the one in Dallas, Texas are improving despite high vacancy rates from previous overbuilding. Other areas like Cleveland and Detroit are also slightly improving, despite limited job growth.

Wall Street is in the middle of a crisis that is spilling over into Main Street. The roots of the problem were laid many years ago. The answers are still coming out. The answers could cause more problems. We will not recover from this anytime soon.

Each individual has to think about what risks they are willing to incur and how to grow their own nest egg.

Let's start with the origin of the current financial problem. During the 90's Alan Greenspan started lowering interest rates. We had significant periods of very low interest rates. This lead to too many people buying houses. On the surface, nothing is wrong with that. Home ownership is a good thing. Many of these people would not have normally qualified for a loan. Since rates were so low, the lenders could still charge a premium and make decent money on the loan. Many of these loans were adjustable. So if interest rates went up, so would their payment.

A quick aside about housing starts. Housing starts are one of the single most important guides to the economic health of our country. An average house cost about $250,000. It takes about 6 months to build. People are spending several years' salary in a single purchase. There is labor in building it, appliances, wood, paint, tile, carpet and everything el. Once you buy it, you typically get some furniture for it. All of this is financed. With that financial package come the title company, loan processing and the loan itself. With each house, there are several times your incomes spent in a single period. Economic growth is measured but the total activity. A house contributes quite a bit to that.

So there were several years where housing was great and a lot of loan packages out there that were good packages as long as rates stayed low.

Throw in Wall Street starts making new markets based on mortgage-based derivatives. There are so many mortgage-based derivatives out there and each one is confusing. To oversimplify it, they created trading markets for sections of the loans and were trading them amongst each other. Essentially they were generating volume and commissions for themselves. This was not too different from Enron.

Eventually interest rates went up. All those sub-prime loans that were adjustable, their monthly payments went up. These loans were good when payments stayed the same, but now the monthly payment was going up by several hundred dollars. Guess what people started doing - not payment the mortgage.

Many banks, brokerage houses and other financial institutions were holding these and now the payments weren't coming in. The value of a loan from someone who cannot pay is not very good. Multiply that by several thousand.

Multiple things start happening all at the same time. Housing starts go down. Home prices stagnate or fall. Lending stops or slows because they have no money to lend because the loan payments are not coming in. All of these are bad.

What has happened it the Wall Street players who have the most assets in sub-prime mortgages are left without a seat when playing musical chairs.

On top of all this, add on increase in gas, and groceries.

Bear Stearns, Lehman Bros and Merrill Lynch have all failed and other companies were told to buy them or help them with guarantees by the government. The government just outright saved Fannie Mae and Freddie Mac.

This hurts Main Street because the credit market is gone for awhile. No new development anywhere or the construction jobs to build them. Small business lines-of-credit will get scarce. Small business that has financial institutions or construction companies as clients will have longer cash cycles. Once again, all of these are bad.

The biggest culprit in all this is Wall Street. The games they play to inflate trading volumes have been nothing more than Enron Part II. The trading they do is immensely complex. Sarbanes Oxley did not quite cover that.

So what is an individual supposed to do about it?

1) Do not stay away from Wall Street completely. There is nothing wrong with owning GE, Google, Ford or any other of the still solid companies out there. Just do not expect to get rich from them. They get brought down by the rest of the Wall Street gang.

2) If you want true financial independence, it is up to you to do something about it. You eventually need to find your own way to make money that does not rely on anyone else or any other company. This means starting your own business. It can be something on the side or full time. In our current climate, this will be your retirement.

The forces that affect our financial lives are out of the control of the individual. This means it is up to the individual to do something about it.

I was watching Larry King Live the other day when his guests were Michael Reagan (Republican), Jesse Ventura (independent), and Katrina Vanden Heuvel, an Obama Supporter and Democrat. After listening to them for a while I said "what are they talking about?" After watching programs like this and really paying attention to the discourse, it's apparent to me that the news media in all its great wonder, power and splendor is either deliberately ignoring the fundamental issues or they are scared to even think about the real fundamental issues that plague this nation. If you are wondering what are these issues, let me enumerate some of them for you:

The American economy and subsequently the dollar is suffering largely because of 3 things:The Iraq War
The policies of the Federal Reserve (which is not government owned)
The real estate industry including but not limited to the banking system, the National Association of Realtors (NAR), property appraisers, and mortgage brokers

The invasion of Iraq and the hanging of Saddam Hussein was predicated on a deliberate lie from the start. (No one knows who authored the lie)The oil companies have the resources to develop technology that can free the American people from oil dependency.

The electric car
The air car These are just a few of some very important issues that have affected the US economy and how other nations view the US. Since I am not writing a book, I will just briefly delve into these different issues. I strongly recommend that you do your own research. Truth is exposed when you look at all the facts from many sources.

The Economy's Woes

One of the most obvious reasons why this economy is just less than spectacular is because of all the money that is being spent in Iraq. No one ever talks about how this war affects the average American citizen. No one ever explains that the US citizen is the US economy. If we don't have money to spend or are unwilling to spend the money that we do have, the economy either slows down and/or comes to a halt. So it's very easy to see that as we go so goes the economy. To make matters worse, every dollar that is printed and put into circulation has debt calculated into its value. What this means is that each dollar is borrowed money. The money is borrowed by the US government from the Federal Reserve. But how does the government pay this debt? Taxes. So we the people pay taxes in part to pay off the government's debt to the Fed. But the only currency that we can pay taxes with is the dollar itself, which creates an infinite loop. To take it a step further, the interest is compounded.

Prior to the Iraq invasion, the Bush administration took the US into debt when there was a major surplus. So the money that was needed to initiate the invasion didn't even exist. Well it didn't exist for No Child Left Behind. So Bush got Congress to authorize borrowing more money from the Fed. As the fed authorized the government to print more money, the dollar weakened which means that the interest owed per dollar increased because it takes more money to pay the same amount of interest. Again, the debt will be paid by the people. As I stated earlier, the people are the economy. One thing that people don't think about is that the dollar has no "real" value. The dollar is not backed by any precious metals, resources, real estate, technology, intellectual property, or anything that any person or country can appraise. The dollar is not real money. It's fiat money that is backed by nothing. If a country wants to cripple the US, they only need to reevaluate the dollar. The problem with that is this would cripple the global economy as well. So the US, as well as other countries, are in a precarious position. The only countries that are on solid ground, sort of solid ground, are the oil countries and countries rich in natural resources. If there is a worldwide economic collapse, they can always barter. The countries that don't have a lot of natural resources may have to sell/trade away their land if it is of strategic benefit to a resource-rich country. But of course, resource-poor countries will be swindled out of their land because they're desperate.

"REAL" Estate

Land will continue to be one of the most prized possessions on this planet. Unfortunately, most people don't think about it in a meaningful way. The real estate market is experiencing the bubble burst phenomenon. I believe that the real estate industry as a whole is partially responsible, especially the executives and CEO's sitting at the helm of this industry. Many of these men and women are not dumb bunnies. There are many college graduates and MBA's that fill these ranks. There is also years upon years of experience that fill their collective brain trust. I find it ludicrous to believe that they did not see this coming. Alan Greenspan referred to the activities of investors as irrational exuberance when referring to the stock market circa 1996. Many of those financial guys/gals, stock brokers, financial analysts, and pundits alike didn't like Greenspan's real assessment of the financial climate. As far as these financial guys were concerned the market needed to keep going up so long as they continued to sell financial products. About 4 years later the market gave back a lot of its winnings. 401(K)s, TSAs, mutual funds, stocks and other financial instruments lost around 50% of their market value (give or take a few points).

So if you look at the real estate market, you don't have to be Greenspan to realize that prices shot up too fast, too high, and in too short a time. But too many average Joes and Janes were giddy with the prices their homes were now worth. To dig an even deeper ditch, a lot of homeowners sold their current homes for a higher priced newer home with their newfound equity only to learn that the property taxes you pay for higher priced homes is really high for the average Joe and Jane. Combine that with excessive subprime lending and you have a major problem. A lot of people don't realize that subprime lenders were allowed to give loans based on relaxed lending criteria. By who? Know one ever talks about that.

"Fed" eral Policies

The Fed (Federal Reserve) tells banks what rules they can lend by. The fed also tells banks how much cash they must keep in reserves. The Fed dictates how much currency will be in circulation in our economy. The Fed is the bank behind all banks. There are really smart guys and gals that work over there at the Fed. It's naive to think that they did not see this one coming. It is naive to think that the good people over at the National Association of Realtors could not imagine that the real estate market was experiencing an episode of irrational exuberance. This phrase was coined only a few years earlier by a man who ran the Fed for many years. Unfortunately, property appraisers were rewarded by mortgage brokers for justifying higher appraisals. Mortgage brokers sent appraisers more business and the banks approved more loans. Round and round the carousel goes. Faster and faster the ride until people start flying off. All the while the Fed did nothing. This was only part of the problem.

The Invasion of Iraq

For most people, the invasion of Iraq seemed logical. We were afraid of the terrorists striking us again. We should attack! The only problem was that Iraq had nothing to do with 9/11. The Bush administration saw to it that he scared up support for the invasion from the people and bluntly told the UN that we're going to invade Iraq even if the UN didn't agree. Dare I say that I am the great prognosticator, but I didn't buy it from the start. I actually believe that diplomacy does work. I watched Gen. Colin Powell addresses the UN on WMDs and I didn't see all of this so called evidence. He was a pawn. You see, prior to Bush winning the presidential election in 2000, there was talk that Gen. Colin Powell could be the first black president, as a Republican! The idea was that he would get the black vote which Republicans knew would guarantee a win. He was respected by Republicans and many people for planning Operation Desert Storm. But several years after his UN Security Council address, Powell does almost an about face and tells Tim Russert (R.I.P.) on Meet the press that he was misled and we should not have invaded Iraq. 5 years later we are effectively in a recession. George Bush calls it a "slow down," whatever that means. This is our president, a beacon of intellectual discourse and a stalwart of morals. I still don't think he won in 2000. The people were lied to. Check out the HBO movie Recount.

Big Oil, Big Profits, Little Social Responsibility

Back in the early 1900s, the idea of an all electric automobile was in the works. There was even an electric car called the Baker Electric (you can also google Owen Magnetic) back in 1909. Jay Leno has one (1909 Baker electric) in his garage that still works today! (google Jay Leno's Garage) Oil companies right now have the resources to produce this technology, but they don't want to. Some argue that the oil companies are sitting on patents right now. Instead they have decided to take in record profits while the economy comes to a "slow down." One hundred years has gone by and still no advancement with the electric car on a large scale. We've had such technologically advanced aircraft such as the Stealth bomber, and SR-71 Blackbird, and yet we couldn't create an electric car. Give me a break!

Thankfully there are private companies that are working on alternatives to the gas-driven internal combustion engine, but even fewer are working on totally electric vehicles (Google Tesla Motors). There's even an air car! You can find it on youtube. Clearly we can do better. I think it's not helpful to wait for a crisis before we move into action. We should always be on the look-out for a better, more efficient way of doing things. We should no longer endorse the "if it ain't broke, don't fix it" mentality. We would be better served if we adopted a "we can always make it better" mindset. This is fundamentally a policy issue, which means politics.

So I close with this. Neither Republicans nor Democrats have done the things that people need the most: better education. I only list education because everything else flows from education. If people were more educated about money, the average citizen would be more fiscally responsible. Education isn't just going to the school house and taking tests. Education is teaching students the significance and relationship of all things. A more educated populace would not tolerate the political games we are enthralled with today. A more educated populace would have a lot less crime, if any, than we do today. A more educated populace would have kept the focus on the evolution of humankind. We would be better off if we were better educated, but politicians of the ruling parties have done little to make things better for the American people.

REPUBLICANS 0.5, DEMOCRATS 0.6 Note: Good ideas have come to fruition because of both of these parties, but I think they feed the people scraps and sell them as hearty meals. Dem's only get 0.6 because they claim to be for we the people. Republicans get 0.5 because they claim to be for freedom of the individual (i.e. less government, lower taxes). Neither get a full point because they've both deceived the public. Nobody wins.

Mexican drug cartels are now advertising for young men to step up and to come and join their ranks to fight the Mexican army. The ads and banners premise those who join will make good money have food and a place to stay even while in training. The Journal has learned that this same type of advertising is planned for Juarez, TJ and other Mexican border cities.

Mexican drug cartels according to recent press reports have military style training camps on and near the border with the United States. These Training camps are for military-style killers. Federal authorities say these camps have Afghanistan and other middle eastern instructors who teach the latest military fighting tactics that are utilized in Iraq and Afghanistan by the Islamic radicals that are fighting and killing American and allied troops in those countries. Mexican officials admit they know of special training camps in the Mexican states of Tamaulipas and Michoacan, where newly recruited Zetas take intensive six-week training courses in weapons, tactics and intelligence gathering.

Iran is believed providing at least some of the money for this recruiting and training program. The training camps are teaching hit and run gorilla technique's. Cells of Foreign Terrorist Organizations (FTOs) have sent their seasoned veterans to oversee the training of the new troops and to direct the war against the Mexican government on behalf of the Mexican Cartels. Trained fighters from al-Qaida, Hizballah (Party of God) Hamas (Islamic Resistance Movement) and Revolutionary Armed Forces of Colombia (FARC) have been seen in Mexico and the Department of Homeland Security (DHS) has reported cells from these terrorist organizations are believed here in the U.S. as well. According to a well placed CIA operative.

The El Paso Journal has been told by an anonymous caller who claims to be an Lt. of a Mexican cartel said in advance, "that the Mexican drug cartels would be advertising for recruits to train as cartel soldiers to fight the Mexican army which has been sent to the border with the U.S. to extinguish the Mexican drug cartels". Just today a week or so since he made the predictions banners where string across a main artery in Nuevo Laredo, Mexico advertising for recruits. He also said they would be advertising on the internet which has also happened. His predictions have been accurate so far. He told of the Mexican army coming to each border town before they did. The Journal has not reported any of his predictions to date without confirmation from other independent unrelated and reliable sources.

The Mexican government first realized that Islamic radical militants were already starting to infiltrate the country in statements by high-ranking Mexican officials prior to and following the September 11, 2001 terrorist attacks indicated "that Islamic extremist organizations has sought to establish a presence in Mexico".

Former Mexican national security adviser and ambassador to the United Nations, Adolfo Aguilar Zinser, stated, that "Spanish and Islamic terrorist groups are using Mexico as a refuge... In light of this situation, there are continuing investigations aimed at dismantling these groups so that they may not cause problems". He also mentioned that the terrorist groups in question are located in the northern part of the country. "Islamic people" in Mexico sparked speculation among observers that the Lebanese Shi'ite terrorist organization Hizbollah have established cells in Mexico.
Remarks made by Mexican public officials indicate the real possibility that al Qaeda cells are present in Mexico and could potentially attempt to cross the U.S. southwest border to conduct additional attacks.

The former director of Mexico's Center for Intelligence and National Security (Centro de Inteligencia y Seguridad Nacional-Cisen), Eduardo Medina Mora, remarked that the possibility of an al Qaeda attack against the United States launched from Mexico "could not be ruled out."

National Migration Institute (Instituto Nacional de Migracion-INM) official Felipe Urbiola Ledezma made more alarming statements during remarks to the press, Urbiola said, "We have in Mexico people linked to terrorism and we are constantly observing unusual immigration flows...[people connected to] ETA, Hizbollah and even some with links to Usama Bin Laden."

Other terrorist and criminal groups are in Mexico including the Russian mafia groups such as the Poldolskaya, Mazukinskaya, Tambovskaya, and Izamailovskaya have been detected in Mexico. The Moscow-based Solntsevskaya gang is also reported to be present in the country, as are other mafia gangs from Chechnya, Georgia, Armenia, Lithuania, Poland Croatia, Serbia, Hungary, Albania, and Rumania. Their major activities include drug and arms trafficking, money laundering, prostitution, trafficking in women from Eastern and Central Europe and Russia, alien smuggling, kidnapping, and credit card fraud.

Reforma a leading Mexican newspaper reported that U.S. intelligence agencies had detected a partnership between the Tijuana-based Arellano-Felix Organization (AFO) and Russian mafia groups based in southern California. In a separate story, Reforma reported that members of the former KGB-affiliated Kurganskaya group in San Diego had met with AFO operative Humberto Rodríguez Banuelos.

Reforma reported that for at least the last ten years the Russian mafia was supplying Mexican drug traffickers with radars, automatic weapons, grenade launchers, and small submersibles in exchange for cocaine, amphetamines, and heroin. It cited a 1996 sting operation in which undercover DEA agents posing as Russian mafia members sold Carillo Fuentes operatives 300 AK-47s and ammunition in Costa Rica.

Even ten years ago, ten Russians, including four known members of the Russian mafia, were arrested at Mexico City's international airport when they arrived on a KLM flight from Amsterdam. The mafia members included Aleksandr Zakharov, one of the leaders of the Moscow mafia and founder of the Uralinvest, known to have a principal role in organized crime in Russia. Another detainee was Nicolay Novikov, a Uralinvest director who had been imprisoned on three previous occasions for arms trafficking. A third was Yevgeniy Sazhayev, who had been arrested on two previous occasions for drug trafficking. The fourth was Vladimir Titov, wanted for various assassinations and who had escaped from several Russian prisons with the help of the mafia. The four men, who were traveling with six women, were apparently en route to Acapulco and Cancún. The group was reportedly deported. The Interpol head in Mexico, Juan Manuel Ponce, corroborated accounts that the group had been carrying arms and a substantial amount of cash.

According to Mexican analyst Jorge Fernández Méndez, the Russian mafia bosses had come to Mexico in order to mediate in the gang war being fought between the CFO and various other groups for control of drug trafficking routes through Mexico in the wake of the death of Alejandro Paez.
It is well known that the Russian mafia is deeply entrenched in the criminal fabric of the Mexican drug cartels and still today plays an important roll in providing guns and other weapons to the cartels and are purveyors of, drug smuggling, money laundering, prostitution, trafficking in women from Eastern and Central Europe and Russia, alien and terrorist smuggling, kidnappings for ransom.
The self proclaimed Mexican drug cartel Lt. says," that we will be offering Mexican soldiers very attractive pay packages and other benefits to cross over and go to work for us". He told the journal we can look for that new development to be happening soon. He also predicts that "active current duty Mexican soldiers and Mexican Federal Police officers will be killed by well armed and trained cartel soldiers".

Google these Sources:

Hundreds being rounded- up and many Arrested in Juarez Mexico

The U.S. placed Mexico under a travel alert As Thousands of Armed Mexican Troops Patrol the Streets of Juarez

Linking of drug cartels on the Texas border with Middle East terrorist

President Bush's top intelligence aide has confirmed that Iraqi terrorists have been captured coming into the United States from Mexico

Americans Being Kidnapped, Held and killed in Mexico

They're known as "Los Zetas"

Reforma Reforma Mexico City Newspaper.

Library of Congress Federal Research Division: Terrorism and Crime...

http://www.cnn.com

http://www.lagunajournal.com

http://www.limeshine.com

http://bajasur.craigslist.com.mx/lab/604707210.html

You've made a firm decision to start your own business. You know what product or service you're going to offer. You know who your customers are, who your suppliers are and where you want to locate. You understand your business, you have the experience. You're all set to launch your dream.

Now What? Money to start and run your business, right? May be you have a little stashed away, or family, friends or relatives are going to help you get stated.

You will need to determine how much money you are going to need-and can you get it?

Do you know how & can you get the money-right now? If your business idea is sound, you have established a track record as a manager, and you have some collateral, then you have an excellent chance of obtaining theELOC's equity Lines of Credit, business financing or loans to get started. Even without collateral you may be able to get it.

Remember lenders and financial institutions offering loans and equity Lines of credit - ELOC's that you approach for loans want to lend you money, as long as you meet their requirements. Business loans for small to medium business may be the majority or only why they generate money from the interest you pay for their company.

They look at the individual or company as the potential borrower as a possible source of income for the lender. Professional lenders in general are very knowledgeable about financing. They know what their requirements are and how to determine quickly if you meet there requirements. If you don't know, the lenders will not lend you money. It's that simple.

Financing your business comes with planning and effort. You will need to research, organize your thoughts and plans before presenting your proposal for funding. Know the type of lender that might be right for you, and think about how to approach and present loan proposals to them. Have a clear plan, stay focused, present realistic financial numbers. Sure tell them the big $$$ opportunity, but keep it simple. Bankers want to see that you have a solid plan for building that big idea and revenues.

Note - Tell your friends and family how you are going to be the next Bill Gates or Donald Trump but not the lenders. They want to hear your excitement! ... Just be careful!!

Lender requirements for your business will involve: your personal credit reports, type of business, region, market for your product, your potential cash flow, collateral, etc.

Be prepared by making sure that your personal and financial assets match up with the requirements.

Do not be intimidated by the lender, he want the business; just make sure he is right for your business too. Ask questions about there lending policies and what they expect should they give you a loan. It is not always about the money after the fact.

For example, venture capitalists that lend you start-up money in return you find out they want a large part of the ownership, or a bank offers and aggressive interest rate that you do not feel comfortable with. Make sure the fit works both ways and you have a clear understanding or the terms and conditions of the loan arrangement.

If you do not feel comfortable or know how to prepare your business for funding, ask some one you know for assistance or hire an service provider that is experienced with preparing business financing, business equity lines of credit, aged corporate shelf companies etc to get you started quickly. They can save you a lot of time and rejections. It is worth the small investment to get your business started.

You will be surprised by the amount of knowledge that is needed to borrow successfully.

Lenders look for collateral to secure the loan in most cases, offer higher interest rates they charge, and the amount of control they place on your business during the term of the loan, etc. They have different objectives. Again ask questions? Some are looking for big returns. Others are content with a safe paycheck. Others may want a seat on your board.

Part 2 - Thinking through & preparing the financial plan for lending?

Have a great day & much success with your business!

Wm Cole Smith

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