You bet a name is important. Many small business owners try to come up with a clever name for their business rather than one that explains what they do. And, nine times out of ten, that is a mistake. Your business name should give your prospects some idea of what your business is about.

One of the most useful processes you can use to come up with a good name is to turn it around. Rather than looking at the name from your perspective, approach it from your prospect’s perspective.

1. Identify your target market. Be specific. What are their wants and needs? Specific gender? How big are they? Do they make a certain amount of revenue? What do they look like? Draw a picture of your prospect.

2. Why should they do business with you? What are the benefits? What makes you different from all the other businesses in your industry?

Based on your answers to 1 and 2 above, brainstorm a list of words that could potentially turn into a company name. Now try putting them together. Experiment with all sorts of combinations. Eliminate those that just don’t appeal to you at all.

Now narrow down that list to 10 possible names and walk away. Let the list sit for at least a day. Then come back and take a second look. See anything else that should be removed? If not, you have a potential list of names. Access your state directory of business names to make sure yours are not taken. Check

Have you ever happened onto an online forum and read some of the threads and posts and thought that they were too attacking? Did it turn you off and make you want to not participate, perhaps you read a bit and then clicked out? Well then, you are not alone; this happens even on scientific, innovation and industry forums. Often you will have an interesting topic and the subject degrades into personal attacks, it is a lot like politics on TV and the tit-for-tat sound and fury, which is so prevalent in our species.

Often you will notice that the parties discussing such topics will have discussed many cross-over uses or innovative theories on a concept or subject. Sometimes they end up superceding the known definitions of the subject and start arguing over points of contention of analogies and definitions or descriptions. You keep reading as the topic is fascinating yet once you start to reach the end you realize you have basically been reading 25 pages of BS semantics and are no where near getting to the bottom of the subject or original topic; why does this happen? Well it has a lot to do with the human mind; you see any human can spout their retained or memorized knowledge, run around proving they know something that they committed to memory and call themselves smart? That is not thinking, perhaps they might be able to occasionally use such information to solve problems, but the true breakthroughs come from ditching all

The home equity loan has become quite popular in the last five years, and Americans have tapped into the equity of their homes in record numbers. The reasons vary, although home improvement and debt consolidation are the most common reasons for borrowing against a home’s equity.

In the last fifteen years or so, a new twist has arrived in the home equity market — the reverse mortgage. Like a traditional home equity loan or line of credit, a reverse mortgage allows you to borrow against the equity in your home. Unlike those other options, you don’t have to make payments in order to pay it back. The repayment takes place when you die, when you move, or when you sell your home. You must be at least 62 years of age to qualify, but unlike other loans, you do not have to have any appreciable income in order to get a reverse mortgage.

There are a number of advantages of a reverse mortgage over a traditional home equity loan: