How to Get a Business Loan

Money makes the business world go round. Obtaining a stable and flowing financial source is a major factor whether you are planning on a new business or growing an existing one. There are a lot of new entrepreneurs who are daunted by the task of getting a loan and don’t even know where to begin.
Here is a practical guide on how to prepare yourself and your business idea as you apply and successfully get a business loan.

1. Know the criteria that banks look for in making small loans. Different banks and lending institutions may have different standards, but in general, when you are applying for a business loan, you should have been able to meet the following criteria so they can consider you:
• Your loan is for a sound business purpose. For example, the business must be eligible based on size, use of loan proceeds and the nature of the business (no lending, speculating, passive investment, pyramid sales, gambling, etc.)
• You and your partner(s) are of good character, have experience and good personal and/or business credit history
• You have the ability to pay back the loan. This could be in a form of a collateral or a personal equity investment in the business/skin in the game.

2. You have the basic documentation to submit. You will need the following documents. Different lenders may need more or less of these.
• Personal and business credit history
• Personal and business financial statements for existing and startup businesses and as well as a projected financial statements
• Strong, detailed business plan (including personal information such as bios, education, etc.)
• Cash flow projections for at least a year, and
• Personal guaranties from all principal owners of the business

3. Research on the banks and lending institutions. Before actually approaching the lenders, learn about business loans, such as the banks’ accounting systems, so you are able to discuss intelligently with the lending officers when the time comes.
• Choose your bank and lending institution carefully; one that would suit your business sector.
• Approach the ones you have worked with or are a customer of
• Take a look at community banks and Credit Unions
• Be thorough, bring everything they ask. Many loan applications are denied or face unnecessary hurdles because of incomplete applications.

4. Identify the size of the business loan that you want. There is a typical size for small business loans. There are some business loans that average £100,000 to £200,000. This highly depends on the business’ financial needs and the business size, for example a start-up of a one-person company to hundreds of employees.

5. Have a good business plan. Getting a business loan for a new business may be more difficult since many banks want to fund growth. Many start-up businesses seek financing from family, friends and credit cards. However, you can get better chances of successfully getting a business loan if you have a strong business plan and the credit for the loan is reasonable.

Getting Grants For College Using These Two Tips

If you want to earn a college degree that will help you improve your placement at work so that you can earn more money, or that you can use to find another form of employment, there is good news. Depending upon the level of income that you make now, you may qualify for grants that will allow you to get a free college education.Tip #1 – Apply for grants that are available for your degreeOne of the most popular is the Pell Grant. This is because it is easy to qualify for. As long as you make no more than $30,000 a year, you should be able to get the full amount which is around $10,000 per semester. This amount of money will help you pay for the first two years of your college and beyond depending upon the degree path you have chosen.

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There are other grants that are available for teaching positions. The teach grant is a very popular one that allows you to get your teaching degree and credential and after three years of full-time employment, any amount that you had to have borrowed while obtaining your degree will be repaid instantly.Tip #2 – Apply early in the year to make sure you qualify for fundsMany federal grants require you to fill out the FAFSA. It is a simple form that you complete and submit online. The problem is that you need to do this before February 1 in order to qualify for the full amount of money that is allocated each and every year to individual students.

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If you do miss this deadline, you can apply for other sources of funding. There are scholarships are available year-round and you can also take out student loans once you arrive at your fall classes. These will have to be repaid but at least it will get you in the door.Student grants don’t have to be a mystery where difficult source of funding to obtain. By following these two tips you should be fine in regard to receiving this free money for college.

The Energy Healing Power of Natural Medicine

Natural medicine is a system that uses a variety of therapeutic or preventive health care practices such as homeopathy, naturopathy, chiropractic, and herbal medicine. Alternative medicine is also known as traditional, naturopathic, natural or holistic medicine. Proponents of alternative medicine are not refuting the validity of discoveries in and the practical uses of conventional medicine, but are merely trying to put some things into perspective. Due to the widespread interest in natural medicine along with the disappointment and disenchantment with Western medicine, many people, especially in the United States and Europe, where conventional medicine has taken a dominant foothold, are seeking the advice and treatment from naturopathic physicians. These practitioners include herbalists, acupuncturists, naturopaths, chiropractors, and others, who advocate preventative health measures as well as recommend wholesome foods and nutritional supplements for their patients and clients. Considering the growing popularity and effectiveness of alternative health treatments and products, certified and licensed professional practitioners of such medical practices should be given their rightful and respectful place in medical society. Natural medicine has been proven not only to be safe, but more effective than Western medicine in treating many chronic illnesses such as diabetes, hypertension, asthma and many other diseases as well

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The history of Natural Medicine and its roots can be traced back thousands of years to ancient cultures such as India and China. Ayurvedic (E. Indian) and Chinese medicine, along with their diagnostic and herbal systems, are still used in these countries extensively, as well as in the United States, especially in Europe, where alternative medicine is well respected. Chinese herbal medicine has a documented history of over 2500 years in China, and is now widely used by practitioners all over the world. It has been legally practiced in the United States. since the mid seventies by licensed acupuncturists. Homeopathy is also a well-known form of alternative medicine discovered in the 18th century by German physician Samuel Hahnemann, but was practically stamped out in the U.S. in the late nineteenth century by the American Medical Association. In 1938, though, the U.S. Food, Drug, and Cosmetic Act finally recognized homeopathic pharmacopoeia as the legal equivalent of allopathic medicine.Another more contemporary and popular form of herbal medicine, called Western herbalism, can be traced back about two hundred years in America. Samuel Thomson, born in 1769, is considered the father of Western herbalism. He discovered over sixty different medically effective native plants by clinical testing, and on the basis of these findings, devised a theory of disease and botanical drug action. Randy Kidu, D.V.M., Ph.D., writes in his articled entitled A Brief History of Alternative Medicine: “The history of herbal medicine is interesting because herbs have been a part of our diet and pharmacy since man began roaming the earth. Coprophytic evidence (seeds and other plant part(found in preserved fecal pellets) points to herbal use by cavemen. Early herbalists practiced their trade since before recorded history in all parts of the world including China, Egypt, Greece, Rome, Africa, England, the Americas, and Europe. Many herbs are also mentioned in the Bible. Today, based on sheer numbers of folks who use one form of herbal medicine or another, it remains the most-used medicine worldwide.”Twenty-five hundred years after the advent of allopathic medicine, modern medicine is still grappling with the idea that herbal medicine could be an effective treatment, and not just quackery, although thousands of years of recorded history has proved its efficacy. A new model of understanding in medicine needs to be incorporated into the existing allopathic model. Because of the growing popularity and effectiveness of natural medicine, practitioners may eventually be given their deserved place in medical society. The incorporation of natural medical practices into the existing model of conventional Western medicine, including the training of new medical doctors, is now called Complimentary Medicine. In order to solve our health problems, this modern paradigm for treatment in medicine must be promoted. This can only truly emerge when bias, self-interest, greed and discrimination is discarded and diverse medical knowledge is promoted and shared, not only between university trained scientists and medical doctors, but among Alternative Medicine practitioners, philosophers, metaphysicians, and other intelligentsia of society as well.

Skip The Lines – Bring The Amusement Park Right To Your Own Back Yard

There’s no shortage of things to do in Atlanta. From professional sports to amusement parks, there’s something for everyone. In fact, Atlanta is proud to house some of the nations largest amusement attractions, including the ever popular Six Flags Over Georgia. Children (and adults) love the thrill and adrenaline rush of the large roller coasters. However, one thing most people don’t like about amusement parks is the long lines. By the time it’s all said and done, you can spend several hundred dollars for your family to have an afternoon of fun, and only get a few rides in. This year, instead of spending the day waiting in long lines for short rides, why not bring the fun right to your back yard? With today’s technology, you can literally do just that! One of the advantages of living in a large city like Atlanta is that we have large rental companies that can make your special event feel just like a trip to Six Flags… complete with a train and an ice cream cart!

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If you’re trying to replicate the amusement park feel, there are definitely specific items that you’ll want to be on the lookout for. As mentioned previously, ice cream carts and trackless trains help make the special event feel more like a day at Six Flags.In order to make your next special event more special, try some of the following tips:

Head online to do some research on the party rental company that has the selection your looking for. If you want an ice cream cart to complete your theme park adventure, look around until you find what you’re looking for.

Don’t settle for the first website you see. There are literally hundreds of inflatable party rental companies in Atlanta. Keep looking for a website that offers a wide variety of rental items that you’re looking for.

It’s better to rent everything from one company. Renting in bulk can help you save money. Larger companies will offer discounts for larger purchases of multiple units and rental items.

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Having a day of amusement park fun is cheaper and easier than ever before. By bringing the amusement park to your front door by using a party rental industry, you can include more people at a lower price. So next time you’re planning a special day, instead of spending tons of money for just a few people and braving the long lines of amusement parks, invite the whole neighborhood and bring the amusement park right to your own back yard!