Tag: About

Rheumatoid Arthritis, Arthritis Foundation, about rheumatoid arthritis.#About #rheumatoid #arthritis

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Rheumatoid Arthritis

Rheumatoid arthritis is an autoimmune disease in which the body s immune system which normally protects its health by attacking foreign substances like bacteria and viruses mistakenly attacks the joints. Read More >>

The cause of RA is not yet fully understood, although doctors do know that an abnormal response of the immune system plays a leading role in the inflammation and joint damage that occurs. Read More >>

Along with joint inflammation and pain, many people experience fatigue, loss of appetite and a low-grade fever. Because RA is a systemic disease, it may also affect organs and body systems. Read More >>

A rheumatologist is a specialist with specific training and skills to diagnose and treat RA. To make a proper diagnosis, the doctor will collect information on personal and family medical history, perform a physical exam and order diagnostic tests. Read More >>

The goals of RA treatment are stop inflammation (put disease in remission), relieve symptoms, prevent joint and organ damage, improve physical function and overall well-being, and reduce long-term complications. Read More >>

You can be an effective self manager of RA by taking a proactive role in your own treatment and maintain a good quality of life. As a complement to a medication program, here are some ways that can help manage symptoms and promote overall health. Read More >>

Rheumatoid arthritis is an autoimmune disease in which the body s immune system which normally protects its health by attacking foreign substances like bacteria and viruses mistakenly attacks the joints. Read More >>

Diagnosed with rheumatoid arthritis? Sign up for our RA Today newsletter, packed with the latest information about all the information you need to know about living life with RA. Read More >>

Feeling overwhelmed by a rheumatoid arthritis diagnosis? Find out what you need to know about this complex disease in RA & You. Read More >>





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About the Murray River #about #the #murray #river, #murray #river

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About the Murray River

Related Information

Discover Murray

River Facts

  • The Murray is the third longest navigable river in the world, after the Amazon and Nile
  • Total length – 2520 kilometres from its source in the Upper Murray and the Kosciusko National Park
  • The Murray is continuously navigable for 1986 kilometres from Goolwa to Yarrawonga
  • It spans three states – Victoria, New South Wales and South Australia
  • The river has 4 major dams, 16 storage weirs and 15 navigable locks
  • Is the major domestic water supply for over 1.5 million households
  • Along with its tributaries, the Murray is part of the third largest water catchment on earth
  • Aboriginal occupation goes back 40,000 years at Mungo National Park close by
  • For half a century from 1853, the Murray was a virtual water highway
  • The worlds largest canoe race is held each year on the Murray
  • Murray Cod can easily grow up to 1.8m in size
  • The Murray has the worlds largest redgum forest and ibis rookery on its banks
  • The Murray is a mecca for golfers with 37 golf courses along its banks

A Story 40 million years in the making

Forty million years ago. through the forces of water and geophysical uplifting, the valley that cradles Australia’s greatest river began to take shape. It is a river whose character encompasses environmental beauty, rich in heritage and history, busy townships and major regional centres, with amazing tourism and recreation opportunities, and a continuing bounty of produce – commonly referred to as the Food Bowl of Australia .

The Murray River is the world’s 16th-longest river at 2,520 kilometres from its source in the Kosciusko National Park. It is fed by several rivers on it’s journey from the Australian Alps. The main feeding rivers are the Darling and Murrumbidgee Rivers. The Darling River (2,740 kilometres) begins in the far inland of Australia (Queensland) and joins the Murray at Wentworth (NSW) then flows to the Southern Ocean through South Australia.

The Murray-Darling drainage area is one of the largest in the world and certainly the largest on the continent, draining most of inland Victoria, New South Wales, and southern Queensland from the western side of the Great Australian Divide. The Murray-Darling Basin drainage system has remained in virtually the same place for millions of years.

From millennia Aboriginal people have relied on the river s abundance. The many various groups included Ingalta, Moorundie, Goodwarra, Parrian-kaperre, Tongwillum, and Yoorlooarra. In the Riverland, the Ngarrindjeri people lived on and along the lands around the Murray and the Coorong and are, today, South Australia s largest Aboriginal community.

The Murray River was first discovered by European explorers Hamilton H. Hume and William H. Hovell in 1824. It wasn’t until five years later, however, that Charles Sturt navigated down the Murrumbidgee to encounter the Murray and named it after Sir George Murray. (Soldier and Tory Party Politician 1772-1846 ) when his exploration party encountered the Darling connection. Sturt had previously explored the Darling River to the north and was able to determine that they were indeed the same river system.

Paddlesteamers were used to carry wool, wheat, and other goods up and down the river system including the Murray, Darling and Murrumbidgee Rivers. Since settlement of the river basin was so late, the invention of the railroad came much sooner in the life of settlement of the river, meaning that the river didn’t ever really find itself a booming source of trade.

An irrigation system was introduced in 1887 by Canadian George Chaffey, greatly accelerating the settlement and exploitation of the river’s water supply around Mildura (Victoria) and Renmark (South Australia).

In 1918, it was finally agreed how to fix this. Victoria, New South Wales, South Australia and the Federal Government formed the Murray River Commission (now Murray-Darling Basin Authority ) to control all development and works that were carried out on the river. The Commission coordinated the construction of storages, locks and weirs to reduce the effects of drought and flood. Today, the water flow is still managed by these locks on the river from Yarrawonga in Victoria to Blanchetown in South Australia.

Measures put in place to protect irrigators from droughts include a series of dams and weirs. Unfortunately now only a small percentage of natural flow (36%) now reaches the Murray Mouth via Lake Alexandrina and the Southern Ocean. These water management measures have ensured that constant flow of water is maintained in the river system yet has come at a price for the ecology and environment. Millions of people rely on the Murray as a source of water for domestic and industrial use and it plays a significant part in Australia’s economy.

A large and range amount of species can be found living in the river basin, including emus, koalas, Western Grey kangaroos, Bearded Dragon lizards, red-rumped parrots, black swans, pelicans, and even dolphins (closer to the ocean). Also plentiful are fish such as the Murray Cod, Bream, Perch, and Redfin.

The plant found most often along the river is the willow, which protects the banks of the river from erosion but also tends to spread out in the soil and take over the surrounding area, choking the growth of other plants.

Nowadays the Murray River is under threat from various sources. It contains a high salt content, meaning that it has an impact on all who use it. The intense pressure placed on the Murray from overuse is also a concern which can lead to erosion and overall poor water quality. To experience the diversity of the Murray River is truly amazing. Compared with other rivers in industrial nations, the Murray is in great condition; however that’s no reason to get complacent. It is truly a remarkable living river we all need to protect for the future – requiring a balance that needs constant attention.





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About Us #business #articles

#small business consulting

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About RK Fischer & Associates, Business Consultants and Business Coaches

Our Differentiators

Helping You Become Self-Sufficient

Our goal as business consultants and coaches is to teach business owners and stakeholders how to improve their bottom line so that your business can be self-sufficient after we are gone. It is important for a business to be able to to be able to move forward on their own. During our time with you, we will coach and train you, as well as transfer knowledge to you and your staff so that you are able to meet your business goals. We are not there to live in your business or write and deliver lengthy plans that you are not able to use and implement on your own. We will engage with you and your staff from the first meeting and will remain involved throughout the engagement until you feel your business is comfortable to proceed on their own.

Experience and Background in Your Overall Business

We do not just provide consulting and coaching services for only one area of your business. Our partners have experience in all areas of a business and both have been executives for start-ups, small-medium sized, as well as large corporations.

We look at your business as a whole to help determine what expertise you require. We will work hand and hand with other professionals you are working with such as bookkeepers, accountants, and lawyers. If you require assistance in areas we cannot perform, we can recommend and bring in that expertise from our partner network or refer you to several professionals and you can choose the right one for your business.

Fixed Priced Not To Exceed Engagements

We provide business consulting through fixed priced not to exceed engagements so that you understand exactly what you will pay. We must first find out information about your specific business and your requirements. We will then provide a fixed price not to exceed price. You will never pay more than that price unless the scope of the engagement changes. If this happens an addendum to your contract will be provided with any new requirements and price.

Our coaching is provided on an hourly basis, so you know exactly how much you will pay. There is a minimum purchase of a 4-hour package. If you just need advice, use our Business Helpline .

Key Partnerships

We partner with other service providers so that we can provide one-stop shopping for all of your business requirements. We are able to manage the entire process for you so that you have one business to deal with or we can refer you to the partner directly. This is entirely up to you.

Financing

We provide financing for engagements in excess of $2500.00 and have a financing partner who will provide longer term financing based on approved credit.

For those clients that engage us for help in obtaining financing through a consulting or coaching engagement, we will help them find lenders and investors for their business through our financing partnerships and will provide whatever time is required to help secure the financing with the lender or investor. We cannot guarantee financing as every lender and investor has their own set of criteria, but we can help make sure your business is positioned in the most favourable light based on your current financial situation.

Our offices are located just outside Toronto within the GTA. We are able to provide many services to businesses across Canada remotely.

Our local service area includes: Toronto, Peterborough, Bowmanville, Lindsay, Kawartha Lakes, Orillia, Clarington, Oshawa, Whitby, Ajax, Pickering, Port Perry, Uxbridge, Scarborough, Markham, Aurora, Newmarket, Bradford, Richmond Hill, Vaughan, Brampton, Mississauga, Burlington, Oakville and surrounding areas.

Contact us if you are outside our local service area and require service in person.





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11 Grants for Women-Owned Businesses You Need to Know About #small #business #loan

#small business grants

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11 Grants for Women-Owned Businesses You Need to Know About

In 2014, there were close to 9.1 million women-owned businesses in the United States, a 68 percent increase since 1997, according to The 2014 State of Women-Owned Businesses Report from American Express. This percentage increase exceeded the national average of small business growth by 1.5 times.

It also illustrated what we already know: Women entrepreneurs are having a tremendous impact on the small business landscape nationwide.

Yet to continue to be competitive and grow, these entrepreneurs have to find funding for their ventures. And, alarmingly, women entrepreneurs are increasingly being turned away by banks for small business loans. Thankfully, they still have other options, given the rise of technology-driven financial lending sources — such as online loans, peer-to-peer loans and crowdfunding.

Then there are government grants. While not widely known or used, these grants are another great option for women seeking extra funding for their business ventures. They just take a little more work.

Understanding grants

Business owners often turn to grants because they are not required to pay them back; essentially, you can look at grants as free money, but they come with stipulations. Also, understanding and navigating the grant process can be complex.

First, you have to research and find a grant for which you re eligible. Then, you have to understand the strict application and compliance guidelines you must meet, to be eligible. Third, you have to compete with other businesses for the same pool of money. Fourth, if you re awarded a grant, you must report on how you used it. Finally, you must devote time and energy to the lengthy application process, then wait for approval. In a nutshell, you need to have all of your ducks in a row, up-front and afterward.

Finding federal and state grants

Many business owners think that federal grants are just a click away. We have all seen the ads promoting free federal money to start businesses. But this is a huge misconception. While there are federal grants available in the areas of medical research, science, education and technology development, no such grants exist specifically for women-owned businesses. You may find grants that fund projects that empower women, but such funding is often set aside for nonprofit corporations, not for-profit businesses.

When researching grants specifically for a woman-owned business, start at the state level. Most states offer grants for women-owned businesses in some capacity. Each state website has a business section where you can find grant and funding opportunities for women and minority-owned businesses. A good example of this is the business section for the state of New York. which lists incentives and programs for businesses. Check out your state s site to find out what is available for your business.

Another great resource to use in your research is the Minority Business Development Agency (MBDA). The MBDA is an agency of the U.S. Department of Commerce that assists minorities and women in establishing and growing their businesses. On its site, you can research grants and access links to state agencies that work with women-owned businesses for funding opportunities. Click here to view all of the state agencies across the country.

Private grants for women

To help in your search, we gathered information on these private grants for women entrepreneurs started:

  1. The Eileen Fisher Women-Owned Business Grant Program. Five grants are awarded annually. The businesses must be 100 percent women-owned and have founding principles of social consciousness, sustainability and innovation, plus be ready to move to the next phase of development. In 2014, the program awarded $125,000 in grants.
  2. Huggies Brand — Mom Inspired Grants. The grant awards up to $15,000 to advance the development of innovative products inspired by the joys of motherhood. The awardees also receive resources to further develop their products and startup businesses.
  3. FedEx Think Bigger — Small Business Grant Program. Applicants are encouraged to share their visions to receive a portion of the $75,000 awarded in grants. Part of the judging involves the general public voting for the finalists, so participants may promote their businesses while garnering votes.
  4. Idea Caf Small Business Grant. The Idea Caf is a free gateway that hosts different grants on its site. Its current grant is the 16 th Small Business Cash Grant. which awards one $1,000 grand prize to a business with the most innovative idea.
  5. InnovateHER: 2015 Innovating for Women Business Challenge. This business challenge is sponsored by the Small Business Administration (SBA) Office of Women s Business Ownership. The challenge awards three winners $30,000 in prize money for businesses that have an impact on the lives of women. However, be aware of the recent fraud news around the SBA .
  6. Chase Google — Mission Main Street Project. Chase and Google have partnered to award $3 million in grants. In 2014, recipients were awarded $150,000 to help take their businesses to the next level. Recipients also received a trip to Google headquarters, a Google Chromebook laptop and a $2,000 coupon toward a market research study with Google Consumer Surveys.
  7. Small Business Innovation Research (SBIR): Eleven different federal agencies participate in this awards-based program, which incentivizes and enables small businesses to explore their technological potential.
  8. Small Business Technology Transfer Program (STTR). The STTR program reserves a specific percentage of federal research and development funding to provide funding opportunities in research and development.
  9. Women Veteran Entrepreneur Corp (WVEC) Small Business Competition. This competition, organized by Capitol One and Count Me In for Women s Economic Independence. allows participants to present two-minute pitches for a chance to participate in a nine-month business accelerator program.
  10. Wal-Mart Women s Economic Empowerment Initiative (WEE). As part of a huge Wal-Mart initiative, sourcing opportunities for U.S. and international companies will increase to $40 billion over five years.
  11. Zions Bank — Smart Women Smart Money. This Utah-based bank s grant annually awards $3,000 across six different categories, including business.

Applying for a grant

Once you find a funding opportunity, there are steps required to apply. A few tips to assist you:

  • Make sure that your business is eligible for the grant: Read the grant synopsis guidelines and eligibility requirements.
  • Create a checklist for all of the documents required.
  • Follow the rules. Grant applications can be very technical. It wouldn t hurt to have a second (or even third) set of eyes when reviewing the application to ensure that you have provided all accompanying documents.
  • Start early. Since the application process can be long in some cases, it doesn t hurt to get a jump on things.

If you find the grant application process too daunting or lengthy for your small business, Kabbage is committed to supporting small business loans for women business owners. Because our application process is fully automated and online, we can quickly provide small business loans of up to $100,000. We use simple, meaningful revenue data from your business to approve your business — not elaborate documentation that takes extensive time to gather. To learn more, visit Kabbage.com.





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The CERT Division, SEI, CMU, information about security.#Information #about #security

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information about security

Information about security

Reverse Engineering Malware Analysis Tool Released on Github

Static analysis tool automates common reverse engineering tasks.

Information about security

CERT Guide to Coordinated Vulnerability Disclosure Released

The CERT Guide to Coordinated Vulnerability Disclosure is available as a free download from the CERT Division website.

Information about security

Secure Coding Standards

The SEI’s Bob Schiela explains how CERT Secure Coding Standards can help developers avoid software vulnerabilities before the code is released.

Information about security

Securing Open Source Components

Nearly 2 billion vulnerable components are downloaded annually, and the average application has more than 20 open source vulnerabilities. Mark Sherman recommends the SPDO approach to secure open source components to diminish the risk and the impact.

Information about security

Security Hardening the DevOps Way

Demand is growing for the art of security hardening. Aaron Volkmann tells how to execute a security hardening strategy with a DevOps mindset.

Information about security

FloCon 2018 to Move Beyond Flow Data

Expanded technical program will explore big-data security analytics on a range of data sets.

Press Release – 08/15/2017

CERT Division at a Glance

Information about security

We were there for the first internet security incident and we’re still here more than 25 years later. Only now, we’ve expanded our expertise from incident response to a comprehensive, proactive approach to securing networked systems. The CERT Division is part of the Software Engineering Institute, which is based at Carnegie Mellon University. We are the world’s leading trusted authority dedicated to improving the security and resilience of computer systems and networks and are a national asset in the field of cybersecurity.

Learn More About the CERT Division:

RECENT VULNERABILITIES

PUBLICATIONS

EVENTS

Blogs

Information about security

Wrap Up of CERT Best Practices to Mitigate Insider Threats Series

Information about security

Coordinated Vulnerability Disclosure, Ransomware, Scaling Agile, and Android App Analysis: The Latest Work from the SEI

Information about security

Employee Termination Procedure (Part 20 of 20: CERT Best Practices to Mitigate Insider Threats Series)

Podcasts

Information about security

Becoming a CISO: Formal and Informal Requirements

Information about security

Global Value Chain – An Expanded View of the ICT Supply Chain

Information about security





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All About Cash Flow #the #stock #market

#business plan outline

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All About Cash Flow

While we are trained to think of business as sales minus costs and expenses, which is profits, we have to manage cash as well.

Although cash is critical, people think in profits instead of cash. We all do. When you imagine a new business, you think of what it would cost to make the product, what you could sell it for, and what the profits per unit might be. We are trained to think of business as sales minus costs and expenses, which is profits. Unfortunately, we don t spend the profits in a business. We spend cash. Profitable companies go broke because they had all their money tied up in assets and couldn t pay their expenses. Working capital is critical to business health. Unfortunately, we don t see the cash implications as clearly as we should, which is one of the best reasons for proper business planning. We have to manage cash, as well as profits.

A simple example
One of the best ways to understand the dilemma of cash vs. profits is to follow an otherwise-profitable company going broke because it can t meet its obligations. This is a quick and simple example. It also leads us into the relationship between income statement, balance sheet, and cash.

Start with $100, which we ll call capital. At the beginning of this exercise, your balance sheet has assets of $100—the money—and capital of $100. Assets are equal to capital plus liabilities. A summary of the simple financial statement at this point is shown in this first illustration, Starting Numbers.

If you buy a widget for $100 and sell it for $150, you should end up with $50 profit, which is what your income statement covers. Sales minus costs are profit. You should have $150 in the bank. Now your balance sheet shows the same $100 in original capital plus $50 in earnings, which are equal to the $150 you have in cash as an asset. The next illustration shows you how the financials work after the sale.

Buy another widget for $100 and sell it again for $150, and now you have $200 in the bank. Do it again, you have $250 in the bank. Your income statement shows sales of $450, cost of sales of $300, and profit of $150. The illustration shows your income statement and balance sheet at this point.

Adding some realism
Now go back a step and make the situation more realistic. For example, most sales of products to businesses go on terms, with the money due in 30 days. So if you sold that widget on credit you don t have $150 in the bank. You still have $50 in your bottom line, but now you have nothing in the bank. Instead, a customer owes you $150, which is what we call “Accounts Receivable.” Compare the Sell a Widget illustration to this next illustration, Selling on Terms. This is what really happens to the huge number of businesses that sell to other businesses.

Knowing you can buy a widget for $100 and sell it for $150, you get your Widget supplier to sell to you on the same terms you sell, net 30, instead of for cash. Now you have $100 that you owe to suppliers, which is called “Accounts Payable.” You also have $100 worth of widget in inventory. This gives you the case in the following illustration, Buying on Terms, in which you are now poised to sell another widget and make more profit.

You have an extra $100 in assets (the widget in inventory) and an extra $100 as liabilities (Accounts Payable), so you are still in balance. Also, you still have no money. Our next illustration shows the financial picture with sales to businesses on credit and purchase of inventory on credit as a short-term debt.

Now the case is more like what you have with real business numbers, in which you have to manage your cash very carefully, and the amounts sitting in inventory and accounts receivable are significant.

More realism: working capital
Even in the case of the above illustration, the example is completely unrealistic. Where are the running expenses, such as rent, salaries, telephones, or even advertising those widgets? How would they affect the cash situation? How far would we get if we couldn t pay the rent or the telephone bill while waiting for customers to pay us? Furthermore, what supplier would give us a widget on credit when we have no history and no assets? What bank would loan us money in this situation? Banks do loan against inventory and receivables, but only to a certain percentage of total value. What was missing here, all along, was working capital.

Important: In strict accounting terms, working capital is equal to short-term assets minus short-term liabilities. In real terms, however, working capital is the glue that holds your cash flow together. Get it into the bank before you need it, or you won t survive the unexpected.

The following illustration goes back to the beginning of this whole example and does it right, with enough capital in the beginning to finance the company.

Instead of starting with $100 as capital, this business looks a lot better with starting capital of $400. With this additional capital from the start, buying on credit and borrowing against assets is more realistic. In this scenario, working capital is up to $550. Now it has a proper input of working capital at the beginning. With even the barest of business plans, we could tell that $100 wasn t enough to get this business going.

I hope the theoretical examples help make the concepts clear. If you followed these illustrations, you can see some enormous implications for running a business.

Important: Every dollar in accounts receivable means a dollar less in cash. Every dollar of inventory is a dollar less in cash. Every dollar of accounts payable is a dollar more in cash.

How LivePlan makes your business more successful

If you re writing a business plan you’re in luck. Online business planning software makes it easier than ever before to put together a business plan for your business.

As you ll see in a moment LivePlan is more than just business plan software though. It s a knowledgable guide combined with a professional designer coupled with a financial wizard. It ll help you get over the three most common business hurdles with ease.

Let s take a look at those common hurdles and see how producing a top notch business plan sets your business up for success.





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Busting 5 Myths About Small-Business Lending #business #blogs

#business lenders

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Busting 5 Myths About Small-Business Lending

Co-founder and CEO, Fundera

Like your mother and your high school history teacher likely told you over and over again, you can t believe everything you read on the Internet.

With the growing accessibility of information freely available online, modern entrepreneurs in search of funding to grow their businesses have a huge leg up on generations past. Yet for every bit of accurate and genuinely helpful advice, there is an increasing prevalence of misinformation and myths surrounding the small business lending space. Unfortunately, much of that misinformation can give business owners bad information about how small business loans work, giving them a false sense of their own eligibility.

Don t miss out on opportunities to secure funding for your business due to false information. Let s separate fact from fiction and bust five of the most common small business lending myths we hear every day.

1. Approval takes forever.

Whether you re itching to move forward with a new business idea or you need cash quickly to cover an unexpected expense, one of the most common questions business owners have when applying for funding is, how fast can I get cash in hand?

You may hear from well-meaning friends and relatives that getting approved for a business loan can take weeks or even months, but that information is outdated. With new online loan applications, an organized business owner can complete her application in less than an hour, and it can be reviewed and approved within 24 hours of submission. Many lenders can even offer cash in hand in as little as two days.

While some borrowers may take additional time to gather financial statements or get their credit reports in better shape, once you hit submit, the approval practice is very efficient. Don t let the fear of a long approval process hold you back from seeking a loan.

2. New businesses never qualify.

The startup funding quandary is a difficult one. You need an established business to secure funding, but you need cash in hand to get your business off the ground. Seeking funding from venture capitalists or angel investors is certainly the most popular route for securing startup funding, but is it the only way?

Many startup entrepreneurs assume that they need to be in business for a few years and have established business credit before they can qualify for a loan. However, more and more lenders are specifically offering startup loans that require little or no business credit history to qualify.

Applying for a startup loan will involve more scrutiny into your personal finances than other types of business loans. Your personal credit score will be the most important part of the application. You may also be faced with less favorable rates than you would receive as an established business. But if you re committed to finding funding and open to the necessary conditions, securing a loan for your brand new business is possible.

3. Online lenders are con artists with unreasonable rates.

We get it. The online alternative lending market is relatively new, and people are skeptical of new things. Unfortunately, many unscrupulous online lenders and brokers have engaged in predatory and dangerous lending practices, giving the entire industry a bad rap.

But in reality, some alternative lenders operating online offer single-digit interest rates. Those offering higher rates often are working with borrowers who are considered risky. Online lenders regularly consider a wide variety of borrower credentials outside of just the traditional credit report and score. Business owners who were turned down by their bank can frequently find the funding they need online.

As with any financial transaction, it s critical that business owners do their due diligence about an online lender before signing the dotted line.

4. Loan officers only care about your credit score.

This myth, carried over from the outdated traditional bank model for loan approvals, can leave business owners with less-than-stellar credit feeling hopeless about their funding prospects. Luckily for these entrepreneurs, growth in the alternative lending sector has led to a larger spectrum of factors being considered in the loan approval process.

Many lenders will now give equal weight to your company s revenue history, cash flow statement and other financial documents in determining your loan eligibility. This information often paints a very different picture of a business and its owner s financial standing than what a credit score alone can convey.

Even so, before applying for a business loan, it is still important that you take steps to make your credit report and score the best possible reflection of your financial history. Always make debt payments on time, and manage your credit usage responsibly. Also frequently check your credit reports for accuracy. If you find errors, contact the reporting agencies to correct the mistakes.

5. Approval is determined by a heartless algorithm.

Once upon a time, entrepreneurs seeking small business funding could walk into their local community bank, build face-to-face relationships with managers and loan officers, and be confident they understood the whole picture behind their loan application, including both cold hard numbers as well as the more intangible elements of their qualifications as borrowers.

These days, technology has all but replaced those in-person banking relationships, creating the impression that loan approval decisions are controlled by nothing more than a few concrete variables and an algorithm saying yes or no.

But while you may have lost the ability to look your loan officer in the eye and strike a deal with a handshake, the modern funding process isn t actually as impersonal as this reputation suggests. In reality, lenders consider a wide variety of both objective, number-based factors as well as more subjective considerations, like your business and marketing plan.

If you re concerned about certain elements of your loan application, like your credit score, take the time to flesh out your business plan, fully explaining how the funds you are borrowing will be used and how this investment will lead to a successful business.

Ultimately, your lender s main consideration is whether or not you will make your loan payments on time, every time. Your loan application should, both through financial documents and through your written statements, paint the best possible picture of your future ability to repay the loan.

If you do your research, stay organized, and can clearly and concisely convey this information to lenders through your loan application, your chances of being quickly matched with the a loan to meet your business needs is tremendously greater.





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What is Connections Academy? #about #online #school

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What is Connections Academy?

The Virtual Education

Connections Academy schools are tuition-free online public schools for students in grades K–12. Most Connections Academy-supported schools are accredited by one of the six regional accrediting agencies.

The Online School Experience

We share a common goal with parents: to ensure that students become productive, successful, and confident adults. We help students develop pathways to that success by building on their individual strengths and interests in an online setting that is both safe and connected to a larger community.

We know that a great education doesn’t have to take place in a classroom. It’s about personalized attention and connections—between teachers and students, parents and teachers, and students and their peers. And when students, families, and staff work together as a community, it gives students all the tools they need to reach their goals.

Let us welcome you to the personalized online school community that fosters real achievement for each and every student.

Below are a few of the driving forces behind this unique approach:

Free Online Education, Outstanding Curriculum

At Connections Academy, students receive a great public education at no charge. There are no materials fees and no tuition charges. The courses meet and exceed all national and state standards while also integrating the best texts, materials, and resources available to create a curriculum that keeps students engaged in new and creative ways.

Exceptional K–12 Teachers

The teachers are the foundation of the Connections Academy experience. They are talented, passionate, certified, and specially trained to excel in online teaching. Connections Academy teachers are drawn to virtual schools because they care about kids and believe that personalized one-on-one instruction really works.

Individual Attention

Each and every student has unique abilities, and all students perform better when they receive individual attention in a safe, nurturing environment. We call our individualized approach Personalized Performance Learning ®. Using this method, teachers get to know the learning style, skills, and interests of each student so they can give every student the best opportunity to excel. Our approach also allows students to accelerate learning in areas of strength or receive extra attention in areas of weakness.

Parent-Supported Online Learning

When parents take an active role in education, students prosper. As Learning Coaches, parents can be closely involved in their children’s daily education. They’re able to see real progress every day and work with dedicated teachers to keep their students on track. Parents say this involvement is one of the most gratifying aspects of the program.

Easy-to-Use Technology

Connections Academy’s user-friendly system, Connexus ®. lets students access a welcoming and collaborative learning experience anywhere they have an Internet connection. Parents love how easy it is to schedule lessons and access grades, too!

Socialization, Community, and Friendships

Learning online doesn’t mean learning alone. Even in a virtual setting, students meet regularly in online LiveLesson ® sessions and have opportunities to share ideas, compare experiences, and have fun learning together. There are even chances to attend in-person gatherings, activities, and field trips. And for those students who want to pursue and explore other extracurricular activities outside of Connections Academy or through Connections Academy’s clubs, the flexibility of the program allows plenty of opportunities for those, too!





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SIB: School Of Investment Banking #sib, #school #of #investment #banking, #equity #research, #credit #analysis,

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About Us

Founded in 2007, by a former banker from Lehman Brothers, The School of Investment Banking is a unique and one of a kind Investment Banking training institute. What sets us apart is the fact:

That we leverage our deep contacts with recruiters to secure world class placement opportunities for candidates

With an average placement record of 90% since inception, we know more than a thing or two about getting your foot in the door!





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Everything You Need to Know about Minority Business Grants – Small Business Blog #business

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Everything You Need to Know about Minority Business Grants

Minorities are choosing entrepreneurship in leaps and bounds. The pool of minority-owned business includes members of the African American, Hispanic, Asian, and Native American ethnic groups. According to the SBA, this number rose to 14.6 percent in 2012 in part because of the growing Hispanic population in the U.S.

As with their non-minority counterparts, proper access to funding is crucial for the creation, growth, and sustainability of their businesses. Although minority business ownership is growing, there continues to be great disparities in their access to business funding. In their effort to even the playing field, minority business owners continue to search for various funding resources.

Grants for Minority Business

Federal Grants

As part of their quest for funding, the first choice for minority business owners is to seek out grants. The belief that there are federal grants available for the start up and growth phases for small businesses is a myth. The federal government does not provide grants to businesses for start up, expansion, to cover operational expenses, or to pay off debts. However there are federal grants available in the areas of research in the fields of medicine, scientific research, education, and technology development. Here are a few such grants.

  1. Small Business Innovation Research(SBIR)/Small Business Technology Transfer (STTR) – This grant is for the purpose of funding small business projects that are research related. Research areas include the U.S. Department of Health and Human Service (HHS), Centers for Disease Control and Prevention (CDC), and the Food and Drug Administration (FDA). See a full list of program descriptions and research topics allowed on their site.
  2. The USDA Rural Business Enterprise Grant (RBEG) Program – The purpose of this grant is to finance the development of small and emerging businesses in rural areas. The amount of the award ranges from $10,000 to $50,000.

You can search additional federal grants at grants.gov .

Corporate Grants

We have included a list of some grants available to black and minority owned businesses.

  1. FedEx Small Business Grant Contest The FedEx Small Business Grant awards 10 different grants to small business owners in the following amounts: (1) grand prize grant of $25,000, (1) grant of $10,000, and (8) grants of $5,000. Deadline is January 12, 2015. To enter, the applicants must share their business story including their motivation and plans for growth. Winners will be announced April 21, 2015.
  2. The National Association for the Self Employed (NASE) Growth Grant Program This grant allows business owners to apply for financing for a particular business need. Each grant is worth up to $5,000. To apply visit nase.org, create an account, become a member, and click on the link apply today. Grants are awarded on a quarterly basis.
  3. MillerCoors Urban Entrepreneurs Series – This grant supports urban entrepreneurs by awarding up to $150,000 in business grants to five entrepreneurs annually.
  4. Huggies MomInspired Grant Program – Grant proposals are accepted from businesses that nurture the relationship between mother and child either through a product or service. The amount of the award is $15,000 plus additional business resources for further development.

Organizations that Provide Minority Business Grants

The Role of the SBA

While the SBA has the authority to provide grants to certain non-profit and educational organizations, it is not permitted to provide grants to small businesses, including minority owned businesses. However, minority business owners can take advantage of the SBA (8) a Business Development Program. The program assists qualifying minority-owned businesses develop and growth through one on one counseling, training workshops, management, and technical assistance.

The 8(a) program has been designed for some minority groups that are considered socially and economically disadvantaged. Those groups include: African American, Hispanic American, Native Americans, Asian Pacific Americans, and Subcontinent Asian Americans. A business must be at least 51% owned by a minority of the group listed. Other groups can apply for this program if they can prove that they have been discriminated against or are at an economic disadvantage. Those groups include: Alaska Native Corporations, Indian Tribes, Native Hawaiian Organizations, and Community Development Corporations.

To learn more about this program contact the local SBA office in your area.

The Minority Business Development Agency

Another great resource for minority business owners is the U.S. Department of Commerce’s Minority Business Development Agency (MBDA). MBDA maintains a national network of 44 business centers whose purpose is to assist minority businesses with access to capital, contracts, and new markets. The specialists that work at the business centers can assist with the grant application.

Minority Business Grants: The Process

Applying for a grant is not a quick process. First the application can be more than a few pages and it is normally a detailed application. Most grants have an opening date, which is the date when the grant became available for application. The deadline date is the final date you must submit your grant by. Keep in mind that the decision may take a few months.

Additional Grant Preparation Tips

  • Create a business plan – Writing a business plan is an important step. The business plan will act as the roadmap for your business. Be sure to provide specific information in the plan about your minority business and how it will improve the economy and your community.
  • Read through grant information thoroughly Once you have decided which grant you will apply for, make sure that you read through all of the information. This will ensure that you have all of your ducks in a row. Most grant synopsis’ are detailed and require a lot of specific information.
  • Keep track of the application deadline – Obviously it is important that you do not miss the deadline. So be sure to apply for the grant before the deadline. A good idea would be to create a project checklist which includes dates and milestones. It’s a good idea to submit the grant before the deadline approaches.
  • Gather all of your documents – Make sure you gather all of the documents required for the grant. Prepare a checklist, check, and double check. You do not want to have any missing documents that may cause the grant to be denied.




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