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Fleet Management News – Business Info, Commercial Carrier Journal, business names available.#Business #names #available

No magic bullet for trailer aerodynamics

Business names available

Trucking in aerospace: fleets look beyond compliance to increase safety

Business names available

Did we just get our first unauthorized look at Tesla s semi?

EPA formally proposes repeal of Obama-era glider kit emissions regulations

Plan for trucks-only tolls in Rhode Island delayed into 2018

Business names available


Jason Cannon

No magic bullet for trailer aerodynamics

Aaron Huff

Trucking in aerospace: fleets look beyond compliance to increase safety

Jason Cannon

Did we just get our first unauthorized look at Tesla s semi?

Jason Cannon

Letting the bully have your milk money and taking a beating for the privilege

Business names available

Michigan State Police begin roadside drug testing pilot program

Business names available

Several fleets announce pay scale changes for drivers

Business names available

Montana-based fleet set to begin U.S. Capitol Christmas Tree tour

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Texas Congressman asks Trump to delay ELD mandate via Executive Order

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Next-generation truck OEMs look to build a footprint through partnerships

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IronPlanet and Ritchie Bros. join forces to lead the asset disposition industry

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Spireon adds ELD option to FleetLocate platform

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Cargo thefts up in third quarter

Registration opens for TMC annual meeting

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Freightliner adds 60-inch raised roof sleeper option to Cascadia

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Knight-Swift earnings tumble in first quarterly report due to merger-associated fees

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FMCSA nom Martinez clears first confirmation nod in Senate

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New truck OEMs working to carve out their niche

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Ryder exec Scott Perry bolts to hydrogen-electric truck maker Nikola

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Must Clicks

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Indicators: Trucking employment flat in October, shippers ‘exposed to new reality’

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Drivers seek $1.1M from carrier over classification as contractors

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EPA formally proposes repeal of Obama-era glider kit emissions regulations


Business names available

XStream Trucking’s tractor-trailer gap aero device

Business names available

Fontaine’s lightweight fifth wheel assembly

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ASA Electronics Voyager SEE360 Camera System

Business names available

2002-16 Sprinter van starters, alternators

Business names available

Double Coin/CMA RR706 tire gets three new sizes

Industry Briefs

Business names available

EBE Technologies has record 2017

TransConnect Services finalist for best place to work in Memphis

Business names available

eCapital joins Blockchain in Trucking Alliance

Business names available

STEMCO acquires brake manufacturer

Business names available

J. Grady Randolph selects Spireon for flatbed tracking

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Are there any government loans available? #small #business #development #center

#government small business loans


Mr Mark Brennan commenced in his role as the Australian Small Business Commissioner on 2 January 2013.

Dr Craig Latham commenced in his role as Deputy Small Business Commissioner on 21 May 2013.

The role of the Australian Small Business Commissioner is to represent small business interests and concerns to the Australian Government.

There are Small Business Commissioners in Victoria, New South Wales, Western Australia and South Australia.

If you are in a business dispute, Dispute Support can assist you to find the right dispute resolution service

A good understanding of your dispute will help you to make informed decisions about the best way to try to resolve the dispute.

Tips from the Australian Small Business Commissioner to help you build strong business relationships and avoid disputes

Find out about dispute resolution services available in your state or territory.

There are publications available to assist you to understand, manage and prevent disputes.

It is difficult to know where to begin when starting your own business. It’s important to consider whether you really understand what’s involved and that you are aware of your tax and legal obligations.

Are you are thinking about expanding your business? Here are some suggestions that could help you grow your business.

Once you decide to sell or pass on your business, you need to consider how much your business is worth, the best time to sell and whether you should make use of a broker or other professionals to maximise selling opportunities.

There are resources available to assist you with starting and growing your business.

The family business sector accounts for 70% of all businesses in Australia.

Family Business Australia’s top ten tips for surviving a family business.

Family Business Australia’s best practice principles for family business.

Read case studies from family businesses.

Find out about upcoming events and training tailored for family businesses

Find answers to the most frequently asked questions about starting, growing and exiting a business.

Planning should always be the first step in developing a business.

Checklists that contain a series of questions to guide you through the various stages of setting up your business including before you start, when you start, when you buy and when you run your business.

Links to help guide your business.

View news articles from the Australian Small Business Commissioner.

Find out about upcoming small business events that Commissioner and his Office are involved in.

Keep up to date with the Commissioner’s newsletter.

View submissions and reports by the Office of the Australian Small Business Commissioner

The latest small business news from across the Australian Government, including ACCC, ASIC, ATO and business.gov.au

View blog posts from the Australian Small Business Commissioner.

View series of related blog posts.

Top 5 FAQs

Easy way to stay up to date

Are there any government loans available?


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VistA Non-EHR Modules – Welcome to the WorldVistA homepage #ehr #systems #currently #available


VistA Non-EHR Modules

VistA Non-EHR Modules

People who are interested=2 0in the VistA health information system tend to focus primarily on the clinical applications and the Computerized Patient Record System (CPRS) in particular. However, there are numerous other modules within VistA that might be of interest to the user and vendor communities, e.g. Police Security, Library, Incident Reporting, Nursing Education, Engineering, Dentistry, etc. This paper attempts to bring some of these lesser known non-clinical care VistA software modules to your attention for consideration.

In 1982, the Veterans Health Administration (VHA) committed to building an electronic health care architecture called the Decentralized Hospital Computer Program (DHCP). The focus was the of software applications easily integrated into a complete hospital information system. VA selected the ANSI Standard ‘M’ as the primary language for DHCP, and began developing applications using VHA internal programmers who directly with user groups in software prototyping environments.

By 1990, VHA had upgraded computer capacity at all medical facilities and began implementing complex integrated software s olutions across the national health care delivery system. 1996, the VHA DHCP system was renamed and evolved into the Veterans Health Information Systems and Technology Architecture (VistA).

VistA is built on a client-server architecture, which ties together workstations and personal computers with graphical user interfaces at VA facilities, as well as software developed by local medical staff. VistA also includes the links that allow commercial off-the-shelf software and products to be used with existing and future technologies.

A key component of VistA is the Computerized Patient Record System (CPRS). It is a true longitudinal health record that follows the patient through all VA treatment settings, outpatient, inpatient, and long care. CPRS has been installed and used at all VA Medical Centers since 1997.

Other noteworthy applications are VistA Imaging and Bar Code Medication Administration (BCMA). VistA Imaging facilitates medical decision-making by delivering complete multimedia patient information to the clinician’s desktop in an integrated manner. Images and associated text data are available at all times anywhere in the hospital. BCMA provides a real-time point-of-car e solution to ensure that the right drug, the right dose, goes to the right patient at the right time.

In total, Vista includes over 130 administrative, clinical, and technical software modules (see Appendix or visit http://www.va.gov/VISTA_MONOGRAPH/ ).

Selected Examples of Non-EHR VistA Modules

The purpose of the Patient Representative module is to ensure that medical centers are more responsive to patient needs. The software tracks and trends compliments and complaints and measures the facility’s types of complaints as they relate to the Customer Services Standards and the National Patient Satisfaction Survey. This package supports the Patient Advocate with the collection and categorization of complaints and compliments that give the medical center an opportunity to meet and exceed the customer’s expectations.

Engineering, also known as Automated Engineering Management System/Medical Equipment Reporting System (AEMS/MERS), facilitates the management of information needed to effectively discharge key operational responsibilities normally assigned to VA engineering organizations, such as:

* Uses bar codes for equipment inventory and preventive maintenance. Completed work orders are automatically posted to equipment histories.

* Tracks and controls work orders, maintaining annotated repair histories for medical and non­-medical equipment. There is a separate menu option for display of incomplete work orders.

* Identifies building features (square footage, floor coverings, window types, etc.) and keeps track of locks and keys.

The Nursing application is a comprised of multiple modules (i.e. Administration, Education, Clinical, and Quality Assurance).

The nursing software includes the following functionalities:

· Tracks staff information.

· Accumulates daily statistics on the number of patients treated.

Generates daily, monthly, quarterly, and yearly management reports.

· Support nurse educators by providing data/information for the tracking of mandatory

· programs and staff education.

· Includes nationally developed standard nursing care plans for initiating patient care plan generation.

· Allows nurses to generate a patient care plan based on patient problems, identified goals, and specified nursing interventions.

Police and Security

The Police and Security module supports the VA Police in their responsibilities of crime prevention, preliminary investigation of crimes, apprehension, legally correct handling of suspected offenders, and the transfer of suspected offenders to appropriate authorities.

* Serves as the repository file for the names, addresses, and other demographic data of persons who come in contact with the Police and Security staff.

* Allows for the retrieval and display of stored information for a selected person.

* Stores electronic data normally entered on the VA Police Uniform Offense Report, Investigative Notes, Case Log, and other documentation assembled during an investigation.

* Contains all violation information on U.S. District Court Violations Notices and Courtesy Warnings issued by Police Officers.

* Assembles selective data into a standardized report format documenting the numbers and types of criminal incidents that are occurring at the site.

* Records information necessary for the Vehicle Registration program.

* Records any data pertinent to individuals currently under any type of criminal proceedings or other legal restraining document.

Conclusions Recommendations

VistA is a comprehensive system containing more than just clinical applications tied to the EHR. It has quite a few other administrative, management and technical software applications that can stand alone and be used for other purposes. The Engineering system could be used by almost any organization to keep track of its equipment, offices, maintenance records, and associated work orders. The Nursing Education module could be used by any Nursing school or department to track and keep records on credentials and training received. There are modules to track customer complaints, track volunteer hours, motor vehicles, library holdings, and much more. The open source software development community ought to seriously consider creating the GUI front end to these modules and tailoring them to meet the needs of many medical and non-medical organizations. For more information on the many VistA software modules, visit http://www.va.gov/VISTA_MONOGRAPH/ and http://www.va.gov/vdl/.

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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM


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Why is Our Free VPS Hosting different than Shared and Dedicated?

With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

What is our free reseller hosting included?

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We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

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We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

Frequently Asked Questions?

Why is it all free on OHosti? How do you earn?

We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

How long will your hosting be free?

Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

What are your guarantees?

1. Our hosting will always be 100% free!

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3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

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Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

Your name will remain as the registrant contact so that you retain complete ownership of the domain.

You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

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La Mariposa Hotel #la #mariposa #hotel #located #in #manuel #antonio #costa #rica, #close #to


Welcome to La Mariposa Hotel, Manuel Antonio, Costa Rica

Vacations just aren’t as fun when you’re worried if you’ve spent a little too much. That’s why we’re here to help with our Special Summer rates at La Mariposa Hotel, you can stay in the heart of Manuel Antonio, Costa Rica.

Dine Stay Package

Book a Dine and Stay Package between April 16th and December 15th that includes accommodation, three-course meal and other amenities. Enjoy a delicious food with our stunning ocean views, Tico service and exuberant gardens to explore. Pura Vida!!

Honeymoon Suite Package

Start your new life together with the true essence of Pura Vida. Let La Mariposa help you fill your love history with the most stunning Ocean views and be surrounded by the nature while enjoy a tropical drink in the Jacuzzi on the private terrace.

World Class Sportfishing Package

Fishing Season in Costa Rica is great! If you are looking to hook into a Blue Marlin, Sailfish, Wahoo, Yellowfin Tuna, Roosterfish, Dorado or Snook, then Quepos is your Sportfishing vacation destination. Design YOUR OWN deep sea Fishing Package!

Weddings at La Mariposa

True love stories never have endings. Plan your wedding at Hotel La Mariposa Hotel & turn your dream wedding into a reality.

Let’s pamper yourself and stay with us during your honeymoon. We will attend to every single detail to create the most memorable trip of your lifes.

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Criminal justice school online #college,university,majors,undergraduate,student,interests,information,academic, #universities,texas,public,north,minors,available


UNT Graduate Studies

Criminal Justice

Master’s Degree Program

Graduate opportunities

A Master of Science degree in Criminal Justice from the University of North Texas improves your ability to take informed and thoughtful actions as a scholar, administrator, researcher, police officer, probation officer or caseworker in the criminal justice system.

This is accomplished through an exceptional curriculum that provides you with an understanding of the nature and scope of problems posed by crime and the operation and administration of the criminal justice system. You�ll examine these areas from theoretical, practical and empirical perspectives.

You can pursue your degree as part of a campus-based program or entirely online, allowing you to take advantage of your particular learning style and better balance your work, personal and academic obligations. The campus-based program features thesis and non-thesis options. Our programs also offer:

  • Opportunities to participate in research under a faculty member�s direction
  • Prospects for earning academic credit through an internship
  • Specialized electives so you can tailor your degree to your professional and personal goals
  • Study abroad opportunities

Outstanding faculty and student services

Faculty members have a diverse range of educational and professional backgrounds. In addition to teaching courses, they assist the Department of Criminal Justice in applied research projects, program evaluation studies and scholarly research. Some of their current research focuses on:

  • Capital punishment
  • Homeland security
  • Juvenile delinquency
  • Police operations and tactics
  • Prison violence
  • Victimization
  • White collar crime

UNT provides a wide variety of services exclusively to graduate students. The Graduate Student Writing Support office can help you with writing, and the Office of Research Consulting offers assistance with statistical research.

The Toulouse Graduate School offers several professional development workshops, including a Thesis Boot Camp. Many of the workshops are available online for your convenience.

Attending UNT

Admission requirements

The department maintains different admission requirements for the campus-based and online programs, which provide separate focus areas. The concentration of the campus-based program is in Theory and Research, while the concentration for the online program is in Justice Policy and Administration. For both, you�ll need to meet the admission requirements for the graduate school. The additional requirements for each program are outlined below.

Campus-based program (Concentration in Theory and Research):

  • Completed application on file with the graduate school
  • Verbal reasoning and analytical writing GRE scores on file with the graduate school
  • Personal statement
  • Transcripts on file with the graduate school with a minimum overall 3.0 GPA on undergraduate work

Online program (Concentration in Justice Policy and Administration):

  • Completed application on file with the graduate school
  • Transcripts on file with the graduate school
  • Personal statement
  • Two letters of recommendation (academic or professional) referencing your ability to perform graduate work

The personal statement should explain your career goals, reasons for pursuing a master�s degree, previous experience in criminal justice and research, and any personal background information relevant to the admission decision.

Adam Trahan
University of North Texas
Department of Criminal Justice
1155 Union Circle #305130
Denton, Texas 76203-5017

All application materials must be received by Aug. 1 for fall admission or Dec. 1 for spring admission. New students aren�t admitted for the summer semesters.

Degree requirements

Campus-based program (Concentration in Theory and Research)

  • 15 credit hours of required core courses
  • 15 credit hours of electives
  • 6 credit hours of thesis
  • 15 credit hours of required core courses
  • 21 credit hours of electives
  • Completion of comprehensive exams

Online program (Justice Policy and Administration)

  • 12 credit hours of required core courses
  • 24 credit hours of electives

Financial assistance

You can apply for financial assistance from national, state, university and departmental resources. The department offers the Tory J. Caeti Memorial Scholarship, which helps cover expenses for one academic year.

The department also offers several graduate and teaching assistantships. The department Teaching Assistantship features a stipend of $16,746 per year and partial tuition waiver. This award is competitive, with a limited number of positions available. The department also offers Graduate Student Assistantships, which receive compensation of $17 per hour for up to 25 hours per week.

Graduate faculty and areas of research

Scott H. Belshaw. Associate Professor; Ph.D. Prairie View A criminal justice ethics; criminal law; sentencing; capital punishment; private security and investigations.

Jessica Craig. Assistant Professor; Ph.D. University of Texas at Dallas. Criminological theory; life course and developmental criminology; white collar crime; juvenile delinquency.

Eric J. Fritsch. Professor and Department Chair; Ph.D. Sam Houston State University. Juvenile justice policy; gangs and intervention strategies; evaluation research; organizational assessment; policing; legal issues in criminal justice; research methods; violent juvenile delinquency.

Peter Johnstone. Professor; Ph.D. London Guildhall University (United Kingdom). Criminal law; money laundering; white collar crime; policing; comparative justice systems; study abroad.

Brooke Miller. Assistant Professor; Ph.D. University of Texas at Dallas. Computer crime; victimization; criminological theories; cyber offending and victimization.

Mark Saber. Lecturer; Ph.D. University of Texas at Dallas. Firearm ownership; protective gun ownership; criminology theory.

Peggy M. Tobolowsky. Professor; J.D. George Washington University. Criminal law and procedure; crime victim issues; capital punishment.

Adam Trahan. Associate Professor; Ph.D. Indiana University. Capital punishment; jury behavior; organized and white collar crime; organizational culture and deviance; criminological and sociolegal theory.

Chad R. Trulson. Professor; Ph.D. Sam Houston State University. Juvenile delinquency and justice; federal court intervention and prison violence; race relations in prison; capital punishment.

For More Information

University of North Texas
Department of Criminal Justice

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Affordable Self Storage in Hampton, VA #affordable #self #storage, #reviews, #ratings, #recommendations, #best, #worst,


Affordable Self Storage

Information about this business (4 )

6 locations to serve you6 va locations to serve youavailable-boxes andceilings-truckscobbs creek shacklefordcontrolled unites-highgloucester matthews hampton poquoson safe-clean-climatethe friendlier morethe friendlier more affordable alternative 223910attr:climate controlledstorage household & commercial

Posted on May 08, 2015. Brought to you by localcom.

Affordable Storage Inc is located at the address 1635 W Pembroke Ave Ste A in Hampton, Virginia 23661. They can be contacted via phone at (757) 723-6551 for pricing, hours and directions.

Affordable Storage Inc has an annual sales volume of 0 – 500K. For more information contact Dan Bolkhel, Owner or go to www.affordablestorageva.com

Affordable Storage Inc provides Dry Storage Units, Self.

Posted on September 02, 2014. Brought to you by chamberofcommerce.

We offer self storage to keep your personal items safe while you are moving, haveing work done to the house, TDY, or just need a place to put your access items till you can make room for them. We are open 7 days a week and will stay later if needed to assist with your move in. We are the friendlier more affordable storage company.

Posted on July 20, 2014. Brought to you by facebook.

Posted by Anonymous on June 30, 2009. Brought to you by merchantcircle.

Average Rating 20

I rented a unit for one month back in July 2007. As of today, March 4, 2008, I have not received my $10.00 deposit. I have spoken to them several times. I will not stop until I get my money. Are there others who have not gotten their deposit?

Posted by jj9801 on March 03, 2008. Brought to you by localguides.

Business description (5) view all

Affordable Storage can be found at W Pembroke Ave 1635. The following is offered: Warehouse Storage. The entry is present with us since Sep 9, 2010 and was last updated on Nov 14, 2013. In Hampton there are 6 other Warehouse Storage. An overview can be found here.

Posted on September 20, 2015. Brought to you by opendius.

Business, Climate Controlled, Home, Packing Supplies, Personal

Posted on November 03, 2014. Brought to you by merchantcircle.

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Grants for starting a business: What small business grants are available?: Starting a business

#loans for starting a business


Grants for starting a business: What small business grants are available?

If you’re a small business owner or thinking of starting a business, finance is probably your biggest concern. You may be wondering if there is any funding available for start-ups.

The simple answer is yes, but getting your hands on it can be a complicated and rather stressful process. There are countless schemes, each with their own set of criteria, which you can apply for when you’re on the verge of starting a business.

Action point: Need a loan to start a business of your own? See how we can help here and here

Start-up funding is out there to be claimed, yet every year we receive stories of piles of cash sitting in accounts and not being invested. It’s not because you don’t need the cash, but it’s because navigating through the grants jungle can leave you wishing you were still employed.

Types of business support

All publicly funded schemes are designed to encourage new and growing businesses, to bring wealth and ultimately create jobs. To help achieve this the government makes available a portion of taxpayers’ money to help and encourage enterprise through small business grants.

This cash gets distributed through a variety of ministries, departments, agencies and quangos on a national and local basis. Most businesses are eligible at any one time to apply for a number of different business start-up grants and support schemes which are distributed in a wide variety of forms.
Government grant resource the business finance support finder is a great tool to help those starting a business find relevant funding to suit their needs and you are able to customise your search by your business location, size, and type of business activity.

Want to read more on grants?

Government business grants available

Direct grant

This is a cash award, which is usually given out for activities such as training, employment, export development, recruitment and capital investment projects. With a direct grant most schemes usually require the company involved to put up around 50% of the cost.

The government s ‘business finance support finder’ directory has over 300 direct grants agencies listed such as UK business “innovation” organisation the Technology Strategy Board. The directory also features various local grants providers which are facilitated by the government’s £3.2bn Regional Growth Fund. such as Catalyst for Growth which has direct grants of £5,000 to £500,000 available for chemical start-ups launching in the North West of England.

Soft loan

A soft loan is a special type of grant where the terms and conditions of repayment are more generous (or softer) than they would be under normal financial circumstances. So, for example, the interest rates may be less, or there may be no interest to pay at all, and the repayment terms could also be for a longer period.

There are hundreds of organisations that offer soft loans and guarantees but the most notable is government-funded scheme Start Up Loans which offers new businesses loans of up to £25,000 for 6% interest with a 12 month repayment “holiday”. To date it has helped to fund over 10,000 start-ups with over £50m invested. You can find out more about the Start Up Loans scheme here. (If you need a higher value business loan, fill out our business loans form and we may be able to put you in touch with the right people).

If you’re starting a social enterprise or charity there are organisations such as Big Issue Invest. the investment arm of the Big Issue, which has soft loans from £50,000 to £1m available for positive impact, socially-driven entrepreneurs and also operates ‘participation loans’ where repayment is linked to future performance of the enterprise.

For young entrepreneurs aged between 18-30, The Prince s Trust provides soft loans of up to £4,000, as well as support for your business idea, with interest capped at 3% and repayments spread over a period of two to five years.

Equity finance

With equity finance a capital sum is injected into the business and the provider of the funds takes an equity share of the enterprise. When the value of the firm increases the stake can then be returned. However, unlike venture capitalists, the expectations and requirements of the providers of public funds are usually less demanding.

It is also worth noting the government Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) which help companies raise finance by providing tax relief to investors who buy a share in your business.

Free or subsidised consultancy

Start-ups can often find themselves in the situation where they are lacking a particular set of skills and there are some specially run schemes which provide this knowledge either for free or at subsidised rates. For instance, the Welsh government runs a business support service offering free, independent advice on starting a business and operates an instant hotline for business queries.

Access to resources

As with a lack of skills, it can be the case that start-ups do not possess the physical resources or facilities they need in order to develop particular projects. In the same way there are a number of initiatives, particularly incubator and accelerator schemes, that can help overcome these concerns by providing access to publicly owned facilities. One such initiative is the department for business, innovation and skills’ (DBIS) GrowthAccelerator which provides advice and coaching to fast-growth businesses with fewer than 250 employees.

Technology and Best Practice transfer

The transfer of technological advances and new best practice initiatives can often take a long time filtering down to smaller businesses. The government has set up schemes which aim to overcome this through business support networks and there is now a number of well-established best practice initiatives such as Investors in People (IIP), which specialises in business tools and resources.

Cost sharing

When it comes to research and development, the costs involved can prevent small firms from taking part. However, by sharing the costs with other businesses, and then sharing the expertise, this problem can be avoided.

To find out more about grants for starting a business, visit our dedicated small business grants channel here .

Useful business start up tools

Forum post of the week

Want to run a more profitable business?

More from Startups

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The Top 10 Grants Available to Black, Minority Business Owners #business #blogs

#minority business grants


Free Money? The Top 10 Grants Available to Black, Minority Business Owners

Every year billions of dollars are awarded in the form of free money and other types of funding. Most people know this money exists, but just don t know where to apply, how much they qualify for, or even where to get an application.

Contrary to popular belief, free money is available to entrepreneurs. Real business grants do exist. In fact, hundreds of black and minority-owned businesses each year receive such grant funding from various government agencies and nonprofit organizations, reports BlackNews.com. Such funds do not have to be repaid, but must be used to either start a new business or enhance an existing one. Others can be used for innovation research.

Here are the top 10 small and minority business grant programs available:

1. The FedEx Small Business Grant Contest is a nationwide competition that will award $50,000 in total to six deserving U.S-based entrepreneurs and business owners. Go to www.businessgrants.org/opportunities/fedex_small_business_grant_contest.html

2. The National Association for the Self Employed (NASE) Growth Grants Program allows business owners to apply for financing a particular small business need. Past recipients used funds to purchase computers, hire part-time help, and create marketing materials. Visit www.businessgrants.org/opportunities/national_association_self_employed_nase_business_grants.html

3. The Dare to Dream Grant Program encourages students to move through the business creation process by offering business development seminars and up to $10,000 in funding. Learn more at www.businessgrants.org/opportunities/dare_to_dream_grant_program.html

4. The Miller Lite Tap the Future Business Plan Competition (formerly known as the MillerCoors Urban Entrepreneur Series) is an annual competition for minority business owners sponsored by Miller Lite. Designed to economically empower minority businesses, the program continues to invest in entrepreneurial dreams to empower urban communities. Learn more at MLTaptheFuture.com

5. The Small Business Administration (SBA) administers several competitive business grant programs, ensuring that the nation s small, high-tech, innovative businesses are a significant part of the federal government s research and development efforts. Check out www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

6. The Minority Business Development Agency (MBDA) organizes various angel investors with the primary objective of supporting minority businesses with mezzanine and second round financing. Learn more at www.businessgrants.org/opportunities/minority_business_development_agency_mbda_business_grants.html

7. The Rural Business Enterprise Grants (RBEG) Program provides grants to finance the development of small and emerging businesses in rural areas. The funds can be used for land acquisition, construction, renovation, technical assistance, project planning, and more. Visit www.businessgrants.org/opportunities/rural_business_enterprise_grants_rbeg_program.html

8. The Huggies MomInspired Grant Program awards grants and business resources to moms to further the development of original product ideas and startup businesses. Learn more at www.businessgrants.org/opportunities/huggies_mom_inspired_grant_program.html

9. The DOT Disadvantaged Business Enterprise (DBE) program is intended to ensure nondiscrimination in the award and administration of DOT-assisted contracts in the Department s highway, transit, airport, and highway safety financial assistance programs. Learn more at www.businessgrants.org/opportunities/dot_disadvantaged_business_enterprise_program.html

10. The Small Business Innovation Research (SBIR) program provides grant funding to small businesses to engage in biomedical or behavioral research/development that leads to a potential for commercialization. Go to www.businessgrants.org/opportunities/sbir_small_business_research_innovation_grants.html

To learn about more 2014 business grant programs, visit www.BusinessGrants.org .


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What kinds of government loans are available to homebuyers? #business #banners

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Mortgage Basics FAQ

4. What kinds of government loans are available to homebuyers?

Several federal, state, and local government financing programs are available to homebuyers. The two main federal programs are:

FHA loans. The Federal Housing Administration (FHA), an agency of the Department of Housing and Urban Development (HUD), offers insurance backing to loans made to U.S. citizens, permanent residents, and noncitizens with work permits who meet financial qualification rules. Under its most popular program, if the buyer defaults and the lender forecloses, the FHA pays 100% of the amount insured. This loan insurance lets qualified people buy affordable houses. The major attraction of an FHA-insured loan is that people with passable credit scores can put down as little as 3.5%. Another plus is that, unlike with conventional loans, FHA-backed loans allow the entire down payment and costs costs to come from a gift (perhaps from family). The downside is that FHA loans have a maximum loan limit that varies depending on the average cost of housing in a given region. (Find out FHA’s loan limits at www.fha.com by clicking on “2014 FHA Limits.”) Also, you’ll have to pay MIP (mortgage insurance premium) as part of an FHA loan. For more information on FHA loan programs, contact a regional office of HUD or check the FHA website at www.hud.gov .

VA loans. U.S. Department of Veterans Affairs (VA) loans are available to men and women who are now in the military and to veterans with honorable discharges who meet specific eligibility rules relating to length of service, credit history, and recent employment, as well as eligible surviving spouses. The VA doesn’t make mortgage loans, but guarantees part of the house loan you get from a bank, savings and loan, or other private lender. If you default, the VA pays the lender the amount guaranteed and you, in turn, will owe the VA. This guarantee makes it easier for veterans to get favorable loan terms with low or no down payment and no PMI (private mortgage insurance). (Conventional mortgages have PMI and FHA loans have MIP.) For more information, check www.va.gov or contact a regional VA office for advice.

Other government loan programs. For information on other government loans, contact your state and local housing offices. They often have programs available for first-time homebuyers who are purchasing modestly priced properties. To find your state housing office, check the State and Local Government on the Net Directory at http://statelocalgov.net. Or go to your state’s home page, where you may find the listing for your state’s housing office.

  • What is private mortgage insurance (PMI)?
  • Does it make sense to pay more points for a lower interest rate?

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