5 SBA Loan Questions to Ask Before Getting Loans

If you are an entrepreneur, it may be hard to find a small business broker who is really looking for you.

More often, we see unscrupulous players who are only concerned with plugging their pockets. The business owner is then left with a debilitating debt, and the inability to pay for it.

That is why the loan office still remains a popular choice. But, if you go to this route, you still need to make sure that you sign the rates and terms that suit you.

Read on for 5 SBA loan questions You should ask your loan officer before signing up.

1. What additional costs will be added to my loan?
Before thinking about the form of SBA 770, you want to know how much it costs to be incurred.

Fortunately, of all lenders, banks and other local financial institutions tend to offer the lowest rates. The average APR of local banks is 3%.

Also, if you work with a broker from a community bank, they may also be handling fees as well. A worthy broker will only charge between 1% and 2% of the loan amount for their services.

However, that’s not always the case, so you want to cover your base early on.

2. Do you offer short-term or long-term loans?
Now, you may have identified what your loan objectives are. With this information, you must determine whether long-term or short-term loans match your best interests.

Depending on your financial situation, one option will likely be more appropriate. You must finish this early because not all institutions offer both options.

3. How long will it take for this process to finish?
Depending on your lender, the loan application process may take some time. Often, it may take several days or even weeks before a financial institution can approve your loan.

If you need a quick turn, this can help you eliminate the lender with the long processing time.

Fortunately, most creditors have a fairly fast processing time and can tell you sooner than later. Some can even make decisions within 24 hours.

4. When I am expected to make a payment?
Coordinating the payment schedule is an important task with your lender. Both parties should be on the same page to avoid confusion or bad feelings on the road.

Traditionally, lenders receive their payments in monthly intervals. Now, many allow you to make payments every week or every other week.

Some even allow you to make smaller daily payments.

If your lender requires a daily or weekly payment, make sure you have the money fixed in

5. Is my industry important?
Some institutions will only lend or refuse to lend to businesses in certain industries. Whether it’s too debatable or risky, certain businesses often can not receive support.

This should be one of the first questions you ask with a broker. This will save you from wasting time with someone who can not help.

If this is your concern, you should consider going with a private investor. You can find private brokers specializing in specific industries.

Other SBA Loan Questions?
If you still have some SBA loan questions, then send us the comments below!

Also, if your business requires a content marketing plan, we can also help you there. Sign up here for great content that will drive traffic, leads, and sales to your website.

Everything You Need to Know to Care for Your Leather Furniture

 

If you have gorgeous leather furniture, you need to know how to care for it and make the most of your space. This guide has you covered. Get what you need here.
You’ve bought saddle soap. You follow the directions. You’ve cleaned the entirety of your brand new leather chair with care and love. You stand back. You watch the leather dry. Your gorgeous leather couch turns black and begins to crack. You begin to panic. You wake up.

Good thing that was a dream. Ekornes stressless furniture home yet.

But it’s time to get to work finding out how to care for your leather furniture properly.

No Saddle Soap
You dreamed about saddle soap for a reason. You might have used it on your leather boots, but that’s not for your couch.

Really, you want to avoid most soap on your leather furniture. If you try to use even watered down dishwashing soap, it will remove the color from your leather.

Do not Let It Sit
Even if you never spill a drop of anything on your furniture, it will get dusty and dirty. It will also eventually crack and fade. While you can get your leather furniture to last as long as 3 fabric sofas, it still needs to be conditioned and cared for.

This is why you should dust and vacuum the furniture daily. It’s not going to look very sharp if you let dust accumulate. Get a large duster. There are bound to be some hard to reach spots on your furniture.

If you continue to dust your furniture often, you will avoid dust working its way into the cracks. This will make it less likely for your leather to break up.

Get a vacuum with a hose attachment so you can pick up those crumbs in the crevices. With constant pressure, those crumbs will tear into your leather. Even micro-tears will deteriorate your leather eventually.

Get It Covered
Do you own cats? Cats and kids. Those are the two worst things for leather furniture. Cats need to scratch (for many reasons we will not go into here). If you are not going to get rid of your cat, cover your leather furniture. And get a cat tower for them to scratch on.

Just once. That’s all it takes to ruin a piece of leather furniture. You can not repair the scratches your cat makes.

Get On Those Stains
Stains. Kids leave stains. Heck, you might even leave stains. If you are not going to cover your furniture, you need to be vigilant. Like a hawk. Because as soon as that ketchup comes into contact with that leather, you need to pounce.

If you do not clean up a stain immediately, it might be too late. Grab a paper towel. Dab the area with the paper towel or even a terry cloth. You need to get it up as quick as possible.

Grease and oil can be taken care of. Use talcum powder or baking power on it. This will absorb the grease and hopefully you will not have a stain.

If it’s an extreme situation, get some upper-end furniture cleaner. Make sure to test it on an inconspicuous spot first.

Conclusion:
You want your leather furniture to last at least half a lifetime if not more. Care for it as if it were your child. It’s truly worth it.

4 Best Engraved Gift for Your Employees

4 Best Engraved Gift for Your Employees

You want to show employees that you value them. But, you also do not want to give them a gift that will soon end at the next holiday party or thrown into the back of the closet forever forgotten.

How can you give your employees a special gift and which they will surely use and really enjoy? You’ll never go wrong with an engraved gift.

Here are 4 engraved gifts that your employees will surely love.

4 Engraved Prizes Your Employers Will Want
# 1: Personalized Wall Calendars

You not only want to give your employees something that looks good but will only collect dust. Instead, give them something they can use.

The personalized wall calendar is a great combination of both personal and useful gifts (especially at the office)!

If you work in an office, knowing dates is usually a great idea-and that’s important for that.

Document your potential employee date, countdown days until the holidays, track your next upcoming vacation, or all of the above.

Giving your staff a wall calendar will be helpful around the office, not to mention constant reminders of how wise your boss (blink, blink).

# 2: Custom Clocks

It’s time to get serious about rewarding.

A privately carved private hour is the best choice for any employee.

Whether the person is on time every day, or several times comes late, anyone and everyone wants and needs to know the time, right?

Giving employees an engraved clock as a gift is a way to tell them that you value their hard work sincerely.

Jam is a lasting gift to begin with – because it will always benefit anyone at the receiving end – and adding adjustments to it makes your presence even more wise.

# 3: Engraved Desk Accessories 4 Best Engraved Gift for Your Employees

While we are themed useful work gifts, let’s talk about desk accessories.

Desk employees if one place they can contact their own at work. Why not make items more suitable for them with carved table accessories?

If you are unsure of what table accessories can be an engraved gift, and which ones are the most used, check out the list below for some great ideas your staff will surely love.

Pencils and / or Pens
Coaster set
Name card holder
Post it and / or scrap pads
# 4: Unique Handcrafted Goods For Individuals

One of the gifts mentioned above can easily create wonderful personalized gifts that can work for any office relationship.

However, if you know your employees well, you may be looking for a more personal and unique gift for each individual.

Find out what’s special for every employee, what their hobbies are like, and find the prizes that need to be carved to their liking!

For example, if an employee liked a known game or strategist, give him an ornate chess set.

Maybe he made an average burger on the grill. Why not go for an engraved gift? 4 Best Engraved Gift for Your Employees

What gifts have you received from your boss so far? Which is awesome, and what is a total failure? Tell me about your gift from the past boss in the comments!

5 Beautiful Walk Walk Garden Ideas for Your Home

 

This summer, do not leave flowers that look ho-hum.

Check out these 5 beautiful garden path tips.

1. Take the First Step
The stone walkways are always stylish. They appeal to everyone – especially children. They love using it for their summer lime art!

The stones come in different colors. You can choose the one that best suits your style.

Consisting of large rocks placed on gravel, this pathway allows you more creativity and flexibility in your page design. You can put gravel in whatever form you like.

You can also decide if your path will be a single file, or if it will accommodate two people side by side for a leisurely stroll. Single file paths are usually used for access around the home side, or to a warehouse, for example.

2. Leading the Way
The park path is not about getting from point A to point B. They are enjoying the journey.

The winding road through the beautiful gardens is healthy for you. They help your brain relax. Create peace in your home garden by using a curved track.

Curved paths create a sense of calm. They can also help a few small yards feel bigger because of the prolonged spaces of movement. This informal line works best when surrounded by lush vegetation. Plants that stand about 6 inches to 1 foot in height are very suitable.

Try large, hairy plants such as lavender or mondo grass to help perfect your quiet garden space.

3. Stay Straight and Narrow
The straight path provides a more formal vibe. They are paired with colonial-style homes and larger courtyards, though they work well with any space.

Lean to a plant that you can trim and set. Box boxes and patterned hat sheets all fitted with crisp and clean lines from straight paths.

To add interest, consider the trellis covered with colorful flowers. Those with larger yards may invest in water facilities or small pools.

Small page Setting pavers on diagonal will lengthen space. You can even grow the moss between them to feel smooth.

4. Select your Palette
Whether you decide to create a zen garden or a garden inspired by Versailles, it is important to choose the material that suits your theme.

Different shapes, textures, and colors of each stone can give different nuances. For a comfortable sensation, add plenty of texture, asymmetrical shapes, and deep, rich colors.

Going formal? Try a corner, flat pavers in a neutral shade.

5. Mix It Up
Some of the best parks are a blend of styles. Try breaking the rules. Combine textures and colors (such as slate slate and red brick) for a surprising pop color.

Did you know that pebbles come in color? Blend in bright and unconventional colors and patterns to enhance your creativity.

In Case of Emergency: When to Call an Emergency Electrician

 

Electricity is tricky.

And working with it can be dangerous.

When something goes funky with your electricity, it’s not like clearing a clogged drain or patching a hole in the wall. Electrical issues are best left to the experts.

Some electrical repairs are more dangerous than others.
If you’re wondering when is the right time to call an emergency electrician, here are eight situations that require immediate action:

1. Exposed Wires

Any time you see exposed wires, it’s a big deal. Exposed wires greatly increase the risk of electrocution and fire and remedy an immediate repair.

Period.

2. Wires in the Water

Like exposed wires, wires in water is really dangerous.

This situation is usually the result of nasty weather putting water where it normally would not be. (We will just casume soaking in water around your house.)

If someone or something comes into contact with the water or an object within the water, the outcome could easily be electrocution or fire.

If you see wires in water, do not hesitate to call an emergency electrician.

3. Smoking Outlets

Smoking is no longer cool. But it has never been for an electrical outlet.

This one should go without saying but if your outlet is smoking, there’s a serious problem. Turn off the circuit breaker and call the fire department.

Once you ‘re sure there’ s nothing burning in the wall, call an electrician to resolve the issue.

4. Only Your Electricity Is Out

If it’s only your home in the neighborhood that has lost electricity, that could be a bad sign. In this situation, you may need assistance.

It may not be dire situation, but it’s best to not take chances. Turn to a 24-hour emergency service to take care of the issue.

5. A Persistent Issue

If a particular appliance or source of light is giving you continuous problems for more than an hour, you’ll want to call an electrician right away for preventative repairs.

To call this an actual emergency may be a stretch, but the issue on the issue at hand and the nature of the appliance, it’s better to be safe than sorry.

6. Buzzing and Humming

Loud buzzing or humming from your child is annoying.

But when it comes from a breaker box, it can be extremely dangerous, as it often indicates a faulty breaker that has poor wiring or is failing to trip.

You really do not want to expose your home to a variety of electrical failures, so get an emergency electrician in there ASAP.

7. Burning or Pungent Smells

Smells that plastic burnt resemble should be taken seriously.

Sure, you can try to blame the bad smell on the cook in the kitchen, but in doing so, you’re quickly at risk of losing your home to an electrical fire.

That smell could indicate damaged wires in your home. So shut off power to the problematic area and call an emergency electrician right away.

Are You Safe? Know What’s in Your E Liquid

Are You Safe? Know What’s in Your E Liquid

If you put in a little time to learn the difference between cigarettes and e-cigarettes, you’ll find at least one prominent fact: Cigarette E is a cigarette.

The most frightening thing about e-liquid: the juice burned to form smoke, is the lack of serious regulation. According to the above article, it means that what’s on the label is not necessarily what you get, or does not get.

Nicotine is one example of what you are likely to get even when the label says that you did not do it.

There are also concerns about manufacturing standards where some electronic fluids are produced. Some E Liquid Manufacturing is done in clean rooms that meet the highest standards, ISO 14644 certified to be precise.

As far as security is concerned, there are two questions to keep in mind: Are e-cigarettes safe in general, and what e-liquid safe do you use?

The first question is easy.

E-cigs are safer than the traditional cigarettes they replace. So if you are already a smoker, moving to an e-cigarette is a good move for you, the people around you smoke, and the environment.

The answer to the second question requires a little more thought:

Nicotine
Nicotine does not cause cancer. It is a natural substance. Then again, the same can be said about tobacco leaves. However, nicotine is quite addictive. Smoking is largely a nicotine delivery system. That same goes for e-cigarettes.

Then again, the same can be said about tobacco leaves. However, nicotine is quite addictive. Smoking is largely a nicotine delivery system. That same goes for e-cigarettes.

However, nicotine is quite addictive. Smoking is largely a nicotine delivery system. That same goes for e-cigarettes.

But smokers do not just swallow nicotine. They heat it up first. That’s where things are chemically interesting.

The heat level creates a chemical reaction that produces formaldehyde, a known carcinogen. This is a particular danger with the tank system becoming very hot, very fast.

Even if you want an e-liquid liquid without nicotine, you should do some research. Product labels can be misleading.

No nicotine does not mean there is no nicotine. In the same way, non-alcoholic beer usually contains alcohol. Reduce carcinogens by reducing heat.

Reduce carcinogens by reducing heat.

Base
The majority of these e-libraries are what make the base. This is the same set of chemicals you find in your inhaler and cough medicine. The two main chemicals are:

Propylene glycol (PG) It is considered safe. And it is also used to create fog in rock concerts.
Glycerin Vegetables (VG) This is a food grade liquid that is responsible for most vaping clouds.
Seasoning
What flavor do you like? Do you like rich butter taste? Or do you prefer cherries?

Some manufacturers use food seasonings. That is good. Others use oil based spices to avoid.

Diacetyl is another type to avoid as it can be harmful. This is used to instill a taste of butter.

Some flavors such as cinnamon, spearmint, and orange have been known to crack or even melt the plastic when heated. Make sure you have the right device for the flavors you choose.

The warning here is like so many things, make sure you know what you get. Nicotine, PG, VG, and flavoring are mostly what you get from liquid e-liquid. But it all boils down to the details.

Read the labels on your e-liquid. Then dig a little deeper. Make sure your e-liquid options come from reputable manufacturers. They are not all created equal.

How to Create a Killer Online Strategy for a Loan Forgiveness Program

 

Think about how much of our time is spent interacting with social media, smartphones and our laptops. We are inundated with choices online, especially when it comes to products and services. You may not know it, but online promotion strategy has brought it choices to you.

This means that within each niche industry is constant and fierce competition. Regardless of the size of your business, it’s essential that you market yourself online.

But some business owners may be where to start. With so many media and informational outlets, what is the best strategy? The answer may be to start simply.

If you own a loan forgiveness program and want more exposure, you need to consider an online promotion strategy to help get your name in front of more people.

Let’s look at some concepts you need to put into action.

What’s the Target Audience for Your Promotion Strategy?
Before you start, you need to understand your target demographic. Ask yourself who your ideal customer is. The focus of your campaign should be on this niche audience.

Keep in mind that you can not please everyone. Your target market should be narrowly defined. Do some research to find out what type of person needs your services. Are these predominantly males or females and what is the age group?

Defining your target audience first will determine how your strategy is executed down the road.

Create Focused Content
Now that you’ve defined your audience, you need to get content out on the web. Custom content is like food for the internet. The more focused and quality content is about your business, the better.

Blogging is a great way to spread your knowledge of the industry to consumers. If you own a loan forgiveness company, you know the process that is ahead for people with student loan problems. Organizations like Forgiveness Processing provides content that allows users to learn more about student loan issues.

Social Media Is a Necessity
A loan forgiveness company will likely service a younger audience. This means that social media is one of the most important tools for getting your name out there. It also acts as a great delivery system for blog articles and news about your company.

You need to create social media profiles for your company that provide all pertinent information a potential customer would need. But do not stop there. Use these profiles to put out information about your company and current issues related to loan forgiveness and student debt.

Track Your Success
It always helps to see firsthand how online marketing is helping you. This will inform you of the strengths and weaknesses of your online promotion strategy. Make sure and look at your blog statistics to see which topics garnered more interest.

Social media performance is easy to track through likes and shares. Always keep an eye on what type of content is getting more attention. You may also consider setting up a Google Analytics account which will help you track online campaigns.

Online Marketing the Right Way
Your online promotion strategy may be the best way to get your loan forgiveness business in front of the right eyes. Follow the techniques discussed above and start promoting your business methodically and with quality content.

The First Step to the Rest of Your Life: Choosing the Right Learnership

Tired of unemployment? Sick of taking whatever job you can get? Ready to start making your own decisions to control your future?

Like many people, picking the right career for you is no easy task. But we have something that can help.

You might have heard about learnership programs but wondered if it’s right for you.

A learnership is a work-based program where you can study and train for gaining valuable on-the-job experience.

Most people find that the practice is the best way to gain new skills.

Learnership programs are great for anyone interested in securing their future and getting the job of their dreams. Read on to learn how to choose the right learnership program for you.

Choosing the Right Learnership
What’s going to be the right career for you? What’s going to make you happy for many years to come?

The answer is different for everybody.

Check out the available learnerships for 2017.

These are a few things you can do to help you figure out what the best career and learnership will be for you.

Learn More About Yourself

If you do not already know what kind of industry you are interested in working in, this is a great first step.

Even if you have a degree, take the time to learn your strengths and work preferences is helpful.

The goal in any career is to enjoy it as much as possible for as long as possible.

A common way to take online self-assessments.

There are tons of free online assessments you can use and many go into very detailed information. You might be surprised by what you learn.

Another great way to find out what work personality fits best with hire a career development professional.

Hiring a professional can be expensive but sometimes your library library will offer career planning services for free. So make sure and look into all possible resources.

Research Your Industries

Once you have gained some good information on your personality and preferences, you should be able to build a list of ideal industries and maybe even positions that would work for you.

Take that list and start researching. You can make pros and cons lists for each position you are interested in and try to whittle down your list to a few of your top choices.

Once you’re working in an industry, you’ll be most likely to be constantly learning about it and staying up to date on changes and new technologies.

Deciding which industries in your list are interesting enough to you that you will not mind constantly learning about them is a good idea.

Find a Mentor

Now that you have an idea for what you think you may be working in, you can find a mentor already working in your ideal job. You can find someone through social media or industry-specific networking sites.

Building a relationship with a mentor in your desired industry and interviewing them is a great way to gain a personal view of what your daily work will be like.

And as you get to know this person better, they might be able to help you.

These are just a few easy steps to choosing the right learnership for you. The best step you can take in changing your life is to jump right in and start working.

Site Construction Engineering: 5 First Blog Post Tips

No matter what industry you are in – having a blog on your site can help improve your prospects.

But what about keeping them? Contacting prospects in 5 minutes versus 30 minutes is shown to improve conversions. These nurtured prospects tend to spend 47% more than unpowered leads.

And what better way to bring leads to parenting than with blogging? Blogs have more than 434% of pages indexed on Google and other search engines. With so many pages in SERPs, you will definitely bring some hints.

But if you have not started a blog yet, you may be wondering what your first blog post looks like. Especially if you are in a field that does not write much, such as construction techniques.

So the following will help give you an idea of ​​how you should start your blog.

Posting Your First Blog Should Drive Traffic
From day one, you need to target not just a lot of traffic, but also the right traffic.

This means doing keyword research in the construction engineering industry. You need to rank for the right key phrase so that your audience can find posts in the SERPs.

Choose Magnetic Topics
It’s important to start something right. This means writing about topics your audience really cares about. Issuing a formality of introducing your company – that’s About About.

Instead, focus on starting your blog with the start of a series that will educate, inform and irritate your prospect’s interests. If you can add value at the gate, then you will get a lot more visitor loyalty.

Research Topics carefully
One thing you do not want to do is write the first blog post full of feathers. That’s not a good initial impression. Smart people and consistently surf the web for the most up-to-date and relevant content.

Whatever topic you decide to start, make sure you cover it extensively. If it’s too much information to get into the 1,000 to 2,500 word post, then consider breaking it into a series. Quality content is key.

Create Content Calendar
It’s very helpful to know what you will discuss in your first blog post, as well as the next blog post. Your focus should be to research the content and promote it from them once it is published.

Which brings us to the next tip.

Promote Until Painless
Do not expect your audience to find your blog posts as soon as you publish them. Or even months after that. If you are looking for quick results, then you need to seriously consider the winning digital marketing strategy.

This means using social media platforms, paid advertisements, and social ads to attract your target audience to your blog.

Get Help from a Digital Marketing Specialist
If you need help creating your blog content or promoting it, we encourage you to ask for help from a digital marketing professional.

Do not be afraid to hire someone or a company who can pick up where you are slack. If you are not great at writing, then hire some writers. If you are not great with social media marketing, look for social media managers.

Do whatever you can to help your blog and your income rise to new heights.

Can Marijuana Slow Your Brain’s Aging Process?

Less than 10 years ago, marijuana was illegal everywhere in the United States. Yet, today more and more states are recognizing the medicinal benefits of marijuana. And legalizing it.

As marijuana becomes more acceptable, more studies have been done and the news is astounding. Why? Because new studies show that medical marijuana can actually slow down your brain’s aging process.

Excited? Read on.

How Does Medical Marijuana Slow Aging?
As everyone knows, with the increase of age, our memory performance decreases. It’s just a natural side effect of getting older. Or is it? Do humans have to accept getting older or is there something to be done?

This latest research, by scientists from University of Bonn and Hebrew University, shows that humans may be able to help prevent brain function from slowing as they grow older.

How?

THC, or tetrahydrocannabinol, the main psychoactive ingredient in marijuana has been shown to boost memory, learning, and cognitive function in older mice.

It is important to note that the dosage of THC administered to the mice was so small that there was no intoxicating effect on them.

How Was the Experiment Performed?
There were three testing groups of mice used while conducting this scientific experiment. Each group represented mice at a certain age. The experiment lasted approached four weeks.

The three groups used were 2 months, one year, and 18 months. Some mice were given a placebo while other mice were given small doses of THC.

Each group of mice solved a water maze.

The mice were tested for:

Learning Capacity
Memory Performance
Orientation Skills
Recognition of Other Mice
What Were the Results of THC with the Test Groups?
After four weeks of conducting this experiment, the results were astonishing.

Researchers found that:

18 Months With No THC: Older mice who were not given THC during this experiment showed difficulty recognizing familiar objects. They also experienced difficulty navigating the maze.
18 Months With THC: Those very mice who were given THC actually scored very similarly to the younger, more vibrant mice. And they did so for an entire month after the dosing stopped.
However, the youngest group of mice who were administered the THC appeared to decline in their cognitive abilities.

Why? Because both under stimulation and over stimulate is harmful. Meaning that in young mice, the endogenous cannabinoid system is already pretty active so adding THC simply overstimulated the mice until their cognitive function declined. The same is true for young people.

One wonders what impact is going to be on current cannabis stocks.

What Do These Findings Mean?
“The treatment completely reversed the loss of performance in the old animals,” Prof. Andreas Zimmer from the Institute of Molecular Psychiatry at the University of Bonn and member of the Cluster of Excellence ImmunoSensation.

Great, THC reverses loss of performance in old animals, but what does that mean for humans?

It means that THC is stimulating the brain’s endocannabinoid system.

What is an Endocannabinoid System?
The endocannabinoid system is a biochemical pathway that slows down with aging. It’s located within the brain, spinal cord, and peripheral nervous system. Its receptors help regulate memory, mood, appetite, and pain.

The human body actually makes its own cannabinoids. They help regulate what is being neurotransmitted. When THC is inhaled or ingested into the system, it competes with the body’s own cannabinoids for the receptors.

This is what leads to changes in which signals are released.

This study is sure to lead to more studies on the myriad health benefits of medical marijuana.