Manns Medium

For many people, like me, who have so many excellent ideas to not only improve existing products but solve some of this nation’s biggest problems, very few avenues, if any, are available.   Especially if you do not have access to capital or that earth-shattering credit score that many traditional lending institutions would drool over you for. What’s left is the possibility that you will be able to find an angel investor or be able to enter a joint venture with someone who could provide you with the funding you need.   The main issue with that is now you have to prepare a proposal that get’s their attention and to get that you have to pay some company who promises to put together a plan that will deliver only to learn later that this same company prepares their proposal the same for you as they do for everyone else who can afford their services. My solution, do it yourself and take your time with it.   Proof your proposal several times before finding a place to submit it...

America was once known as the “Land of Opportunity”, where someone with little to no standing could become someone of great influence.   Where education was not strictly judged by the schools you attended but also by the experience you displayed.   That seems so long ago now because now where you come from and the reputation of a particular educational institution is required.   In other words it’s “who you know” that matters. The “who you know” saga is played out in today’s communities by credit reporting agencies and their control over credit scores.   They can decide to lower them and make 600 the score needed to obtain financial help from traditional sources or they can raise them where only those with 720 credit score can avail themselves of those services.   This is also now being used to determine if you are worthy of being hired regardless of the years of experience that you have.   Right now many employers are using your credit report to determine...