November 2019

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Finance

Criteria for small business loans

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Taking a loan from a bank for the purpose of development of your small business is not as easy as you may think. There are many factors that a bank is going to take into consideration before they agree to giving you a loan in the first place.

One of these factors is experience. If you are a person that has no experience at all in the business world and you are interested in starting a business from scratch, then a lender may not really be interested in giving you a loan at all.

There is no guarantee that your business is going to run. And then what is the lender going to achieve out of the whole loan agreement. They will take over the business and try to sell your inventory for a very reasonable price as an auction. However, there is the high possibility that even after so much hard work; the lender is going to be losing money in the process.

The person applying for the business loan should at least have three years experience in the field and should be able to show that he is capable of handling his financial situation very professionally and systematically.

Home

Why Water Fed Pole Window Cleaning

Water fed pole window cleaning is a type of window cleaning that has been around for awhile, but hasn’t really gained any popularity until recent years. What it basically allows you to do is clean your windows, even on the second and third floors without a ladder. It also does a great job of saving time during the process. There are a few downsides to this method however such as the fact that you need running water and a power source of some kind for most types that people would purchase for personal use.

No Ladder Required – This was a huge thing for me when I was trying to decide on if I needed one of the water fed pole systems. Because of my extreme fear of heights it’s almost impossible for me to clean the windows on the second and third stories of my home. Now however I can clean them quite easily and quickly. I also don’t have to mess with moving the ladder over 2 feet every time I want to get to the next window on the second floor. I also don’t have to worry about the ground being soft of uneven when I’m trying to get the ladder to sit flat on the ground.

Time Saver – This was another big factor for me. I have a very demanding job and when I get done working I want to spend time with my significant other and not trying to wash the windows on my home and my investment properties. For whatever reason I can clean windows so much faster with these Water Fed Window Cleaning Poles. You don’t have to move the ladder or always be grabbing for more Windex, it’s really nice.

The downsides I mentioned earlier aren’t a huge deal to most, but they do need to be mentioned. Any water fed pole window cleaner will need both a water and power source. For most people this should be to big of a problem with a nice long extension cord and a long garden hose from their yard.

Water fed pole cleaning won’t be for everyone and I completely respect that. For others however with lack of time and fear of heights they are truly a life saver. If nothing else at least take a look and see what you think about water fed pole window cleaning before saying you don’t need one, you might be surprised.

Finance

Repay Payday Loan To Avoid High Interest Rate

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Payday loans can be an answer to many of our financial emergencies. However you need to make sure that you keep a track of the loan amount and repay date and the interest for it. And make sure you payback the amount without any delay. The reason for this is if miss out on a payment, there would be penalties. It would be beneficial for you to save huge overcharge fees.

It is very important to consult various payday loan providers before taking a loan. Select the lender that offers loans with a low interest rate. You can also choose companies which give you a longer timeframe to repay the loan as well. So going for a company with relatively low interest rate is advisable. There are payday loan providers who provide cash instantly but with high interest rates.

While taking a payday loan always make sure you only loan the amount that is needed. So take a loan only for emergency situations. Do not unnecessarily take loans because you will ultimately have to pay a higher interest rate.

Always make sure that the loan is returned on or before the due date. In circumstances where you are unable to repay the loan on time you should speak to a representative from the company where you go the payday loan. You need to check with them to see if they can extend the due date. There are some companies who do not give an extended period at all. Many payday loan providers accept to extend the date if you provide them with more of your personal documents as a security. The interest will be much higher than it was the first time you would have got.

So always make sure everything is planned. Even before taking a loan and after taking it as well. Payday loans are for a purpose and do not be ignorant about missing out on payments. It’s your hard earned money that you will be paying and you should be very careful about it. Many have made use of the payday loan money and still get more whenever there is a need. Payday loans are life savers so use it and repay it to enjoy the benefits.

Finance Travel

Travel Insurance

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Travel Insurance Guide

Most reputable travel insurance policies should cover medical expenses, personal liability, cancellation and curtailment, loss of baggage and money, missed departure and travel delay up to defined limits. In recent years, however, especially since the demise of some high profile travel companies, additional types of cover have emerged.

The largest potential bills that you are possibly likely to face are medical expenses and personal liability. Generally, medical expenses cover the cost of any emergency and medical treatment that you may require. It is worth noting that each travel insurance company will require you to comply with their policy on pre-existing medical conditions, therefore, always read the policy carefully. Personal liability covers you if you’re found responsible for any damage or injury that you cause to anyone else, or their property, while you are on holiday abroad.

Some policies also pay out a lump sum if you’re permanently disabled or lose a limb or if you die while abroad. The amount of cover you can purchase for each of these categories obviously differs from one travel insurance company to another, and from one policy to another. If you are going to a country where English is not a frequently spoken language consider choosing a travel insurance policy which offers a 24 medical assistance should an unexpected emergency occur.

Who Is Covered?

Insurance cover can be purchased individually for couples, family, or business travel. If you travelling as a couple ensure you are protected if you travel independently of each other. If you have children, family travel insurance cover may be better value for money. However, check the maximum age that offspring are considered dependant children as this can vary according to each policy.

Some policies cover children if they are in full time education up to certain age provided they are living at home. Ensure that the number of children allowed on the travel insurance policy is adequate and whether that they are covered if they travel independently from you. If you go away on business trips on a regular basis, consider checking your policy terms and conditions as many ordinary travel insurance policies exclude business travelers.

Finance

Private Money Mortgage Loans

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There are several money loan types that can appeal to the borrower for different reasons, and a private money mortgage loan is one of them. A private money mortgage loan is one that is not funded by banks or commercial companies; rather, they are funded by private money lenders such as individuals, trusts, partnerships, real estate investors and retirement funds.

These are loans offered at a higher interest rate to those who are having problems with mortgage payment, possible foreclosure, past or current credit issues, seeking investment in commercial property, need financing for construction or to close quickly on a deal that may not wait for a conventional loan. In other words, a private mortgage money loan is a quick fix to a financial problem that cannot be resolved in any other way.

With the high risk involved in the loan, there is a higher price to pay. Interest rates will be more than a conventional loan, but the reward outweighs the alternative. A good example of this is a foreclosure, where the borrower runs the risk of losing his or her home.

Private Money Commercial Loans

A private money commercial loan assists businesses with a bail out of a possible foreclosure (although it can be used for other reasons as well). Private money commercial loans are best suited for business that are losing money or have a poor credit history. As with other private money loan types, a private money commercial loan is financed by private entities because of the high risk involved that makes it difficult for a commercial lender to approve. Also, the interest rate will be higher with a private money commercial loan because of the high risk.

Commercial lenders tend to run an interest rate of around 7% to 8%, and a private money commercial loan can be found in the range between 11% and 15%. A private money commercial loan will use the business as collateral, but the loan can be extended to as long as three years, so it can be paid on a gradual basis. More often, the term of the loan will be less, more in the area of 12 to 24 months. The whole purpose is to save the business rather than allow it to go into foreclosure.

Are you in need of a quick loan but your credit score is less than perfect? Private money lender will often disregard your credit history when reviewing your loan application. Their guidelines are different and more accessible than conventional lenders.

Travel

What accessories do you need for your trip

It is a good idea to make a list of all the possible things you will need for your trip, including your luggage and travel accessories. This will obviously depend on where you are planning to go, the weather at your destination, and what you are planning to do while you are away. Two weeks lazing on the beach is going to require very different travel accessories from a winter sports holiday or two weeks backpacking in the Andes.

The luggage you take with you will also be different depending on if you’re going to need a suitcase or backpack, for example. There are hundreds of different luggage solutions available to buy now. And, as many people are travelling more often, businesses are using travel related pieces as promotional tools.

A good choice for the holiday traveler is the new type of hard suitcases with wheels. Despite the large sizes that you can buy them in, they are easy to transport due to their wheels. So if you’re the kind of person who always packs enough for two months away when you’re just going for a couple of weeks, then these could save your back from a lot of damage! They are also very sturdy, which is good news when they are being thrown around by airport baggage handlers. Luggage and travel accessories are all great branding tools for businesses, as they are commonly used and many pieces are highly visible by others.

You can often buy matching travel accessories to go with your luggage, including whole sets of hand luggage, a wash bag, comb, brush and toothbrush. You may also need to take travel accessories such as a travel iron, electric plug adaptors for the country that you are visiting and an inflatable pillow and eye mask for the journey. If you fly a lot then it might also be worth investing in some travel scales to weigh your luggage so you can avoid the fear of extra baggage fees.

Other travel accessories that are real holiday essentials are items such as insect repellent, sun tan lotion, after sun lotion, lip balm, mosquito nets, luggage tags and straps and waterproof clothing. You can search online as well. There are a lot of websites with detailed reviews about the most important travel accessories, such as https://iphototrip.com/the-best-travel-accessories/, where you can get a better idea on what accessories you’ll need for your trip.

With the rules on safety and security on aircrafts and at airports constantly being reviewed and updated it is always wise to check with the airport that you are flying to and from regarding their current rules on permitted luggage and travel accessories. This includes the size and weight of your luggage in both the cabin and the hold and permitted travel accessories.

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Art World News For Art Students

Planning to study Art, then you need to first identify what line of art you want to specialize in. Whether you want to learn fine arts, performing arts, graphic designing, Advertising, Entertainment design, Environmental design, Photography and Imaging, Films, Product designing, or Transportation Designing. Art colleges provide education in both undergraduate level and graduate level.

The Art colleges offer different specialties in the 4 years of the education. So depending on what you want to specialize in you have to select the Art College. Some Art colleges are good in teaching Graphic designing while some may be popular for their performing arts. Some art colleges could be good choice for specializing in advertising and still another for fashion designing. There are art news portals online where you can find all the latest news about the Art world to always stay up to date.

So make sure that the Art College offers the specialties you need. If you want to study art and another field then a liberal art college would be a best choice. You can do double major in arts and another subject at the same time. The cost of the course is one more factor you might want to consider. Some of the Art colleges are quite expensive and if they are in the top list then they could charge you up to $20000 per year.

So considering you budget you can go for colleges that fit your pocket and surely they too have the best education to offer. In case you are applying for financial aid then you also need to send a collection of your work. This way if the Art College finds that you are talented then you can get good concession or financial aid till you study and you can repay once you start earning. Once you have joined the Art College most of the colleges provide accommodation in their facilities itself.

Also there will be a wide variety of housing options around the college with an affordable price. So when you decide to join an Art College these are the few pointers that you can keep in mind and choose the right college so that you can foster your passion for art and attend the right Art college that will help you make your career in the art industry after you have graduated.