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You Can Apply for These Small Business Loans with Bad Credit #business #websites

#business loans for bad credit


You Can Apply for These Small Business Loans with Bad Credit

Small business owners are often turned away by lenders when they have poor credit. That’s because a bad credit score implies you have not managed your finances properly in the past.

Luckily, it’s possible to secure small business loans with poor credit.

A number of alternative lenders are offering loan solutions for bad credit today. These lenders place more importance on the operating history and strength of your business. In other words, they do not focus solely on your credit score when they consider your loan application.

Here are some loans for bad credit options worth exploring.

Small Business Loans with Bad Credit


The best thing about Kabbage is that it does not require a minimum credit score to qualify. It does, however, check your credit history. If you are looking for some short-term working capital, Kabbage is worth trying. You can borrow from its line of credit and repay on an as-needed basis.

To qualify, you should have minimum annual revenue of $50,000 and have been in business for at least a year. You must also have a business checking account, bookkeeping software or an online payment platform.

It takes only a few minutes to complete the online application process and if approved you can get funds in just a couple of days.


Fundbox does not have a minimum credit score or minimum annual revenue requirement. Instead, it takes the value of your invoices and ability to repay the loan into consideration.

Funding is prompt and takes up to just three business days.

To qualify, you must use bookkeeping software or online accounting that can link to Fundbox and have a minimum of six months’ activity in one of these software applications.


OnDeck offers both term loans and lines of credit. You can go for the term loan if you are looking for some quick cash to expand. If you want to manage your cash flow and working capital, a line of credit is your best option.

To qualify for OnDeck’s term loan, you must have a personal credit score of 500 or higher. For a line of credit, your personal credit score should be at least 600.

Once you complete the online application process, you’ll get a decision within a few minutes and funding as soon as the following day.

Interestingly, OnDeck reports your payment activity to the three credit bureaus, which means paying off your loan on time can boost your credit score.


If you lack collateral, have poor credit and unpaid invoices, you may consider BlueVine. The lender offers an advance based on the value of your invoices. Approval is based on the strength of your cash flow and the financial strength of your debtors.

You do need to have a personal credit score of 530 or more to qualify. Also you should have at least $120,000 in annual revenue and have been in business for at least three months.


If you have a new business, StreetShares is a good option to explore. The lender requires a minimum of one year in business and $25,000 in annual revenue. But even if you have been in business for only six months and you can qualify with $100,000 in revenue.

You need to have a minimum personal credit score of 600 or more and a strong cash flow to be eligible.


Dealstruck is a good option if you are looking for different loan products. The lender offers a term loan for expansion, an asset-based line of credit for businesses with unpaid invoices and an inventory line of credit for businesses that have recurring inventory purchase requirements.

To qualify, you need to have a minimum credit score of 600, although company CEO Ethan Senturia has said that the company accepts scores in the 500 range. You also need at least $150,000 in annual revenue and need to have been in business for at least a year.

A bad credit score may create problems for you when you try securing funds for your business, but it shouldn t stop you from exploring options. You need to understand your needs and look for options that meet your requirements.

Shubhomita Bose is a Staff Writer for Small Business Trends. She covers key studies and surveys about the small business market, along with general small business news. She draws on 8 years of experience in copywriting, marketing and communications, having worked extensively on creating content for small and medium sized enterprises.

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Accounting Software Can Be Fun #business #lookup

#small business accounting


Too many people are frustrated with the software they use. Why is that? Small business accounting software has been unintuitive and difficult to use for years. Business owners often find themselves chained to an old desktop in the back room labouring over the finances. With a system like that, it becomes obvious why people don’t have good visibility of their accounts.

Five ways cloud software makes accounting fun

  1. When statement lines from your bank account are fed into your accounting software automatically, you can see your cashflow in real-time.
  2. Being able to see bank balances, invoices, bills and expenses at a glance gives you a clear picture of your finances.
  3. View your accounts in the cloud so you can access them when you want, where you want, on any device.
  4. You’re free to be mobile – not chained to your desktop. When you can work on the same data as your advisors at the same time, there’s no need to share a computer or exchange files.
  5. Small business accounting software with free updates means there’s no need for installations or maintenance.

Accounting can be fun and addictive

Software that makes doing business a pleasure, can only be a good thing. Making money and seeing how your business is doing should be fun. If your software is intuitive, it can be addictive to use.

What this means for small business

When business owners use software that’s intuitive and easy, they are much more in tune with their financial situation. This means they can avoid problems and take action when it matters, not after the fact, when it’s too late. Adding to that, accountants and financial advisors are able to give them much better insight and advice, spotting future opportunities for growth.

When you get excited about using your accounting software, you’ll notice the positive effect it has on your business.

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If You Can’t Afford a Porsche 911, Buy the Mazda MX-5 RF #can #t


If You Can’t Afford a Porsche 911, Buy the Mazda MX-5 RF

July 6, 2017, 10:05 AM EDT

The Mazda MX-5 RF is not a luxury car.

That doesn t mean it s inferior. On the contrary, it s an affordable toy with some trappings of luxury pared down to size, like a tasty slider on a silver platter. It s not the whole thing, but with this sample size, you still get a satisfying taste of something meaty.

If you can t afford the $110,300 Porsche 911 Targa, the German brand s legendary see-through hard-top, the $31,555 Mazda MX-5 RF is a logical alternative. It s the best of any in its reasonably priced set.

The $31,555 Mazda MX-5 RF is new for 2017.

Photographer: Hannah Elliott/Bloomberg

The Hardtop Miata You Wanted

Mazda introduced the fourth generation of its tiny two-door in 2014. The RF, or retractable fastback version, is new this year.

By retractable fastback, Mazda means that the hard top automatically folds back and down under the trunk, flanked by pillar-like beams on either side of the middle of the car. The idea was to make an open-top Miata that would hold the driving thrill of such a nimble, rough-and-ready car while giving it the cachet of a true hardtop. (By cachet, I mean a better, more quality look, a tighter fit to the car, and a quieter interior cabin.) With the top down, it looks kind of like those old T-bar Porsches from the 1970s, which is great.

The hardtop adds 113 pounds to the soft-top original version. What you gain in general practicality and a newly staunch demeanor both from behind the wheel and from the overall appearance of the car far outweigh the negligible loss of agility.

Its top folds back underneath flying buttress-style pillars on either side of the car.

Photographer: Hannah Elliott/Bloomberg

The Rare and Necessary Manual

The caveat here is that, despite the fact that Mazda now offers an automatic version of the MX-5 RF, you must buy the manual 6-speed in order to enjoy the full benefits of its graces. You wouldn t eat a mini-hamburger without any toppings, would you? It needs a little dressing to enhance the flavor.

In the same way, the MX-5 RF s four-cylinder, 155 hp engine needs the thrill of a stick shift to activate full enjoyment of the rear-wheel drive. The movement through the gears is crisp, short, and direct. An automatic transmission simply doesn t offer the same driving engagement, and how could it? It s a computer working the car for you. For many buyers, the MX-5 may be the first introduction to a manual transmission and to rear-wheel drive. It s worth doing them together on a vehicle so well-suited to zippy driving: They display their flavor most fully when they re mixed.

The front and chassis of the MX-5 RF remains virtually unchanged from the standard-issue MX-5 Miata.

Photographer: Hannah Elliott/Bloomberg

This is where Mazda separates itself from the pack ($25,495 Subaru BRZ; $26,255 Toyota 86; $21,600 MINI Hardtop). While those can drag (BRZ) and lurch a bit around corners (MINI), the MX-5 stays light on its feet and connected to the road, with seamless transitions through first, second, and third gear on the way to a 6.1-second 60 mph sprint time. It doesn t have a bracing sprint time, but driving it is fun. (That s not a word I use to describe many cars, which can be alternately thrilling, angry, fast, smooth, powerful, or any other of dozens of specific descriptors. This one, simply put, is fun.)

It s nowhere near as fast as the 4.5-second 911 Targa, but, then, that one costs nearly $80,000 more. Top speed on the MX-5 RF is 135 mph.

The MX-5 RF is the hardtop version of the MX-5 Miata, which comes with a soft rag top.

Photographer: Hannah Elliott/Bloomberg

Here is where the MX-5 actually beats the 911 Targa: At 2,445 pounds compared with the 911 s 3,461 pounds, its lithe body imparts such a feeling of ease when you drive it that you really don t think about driving it at all. (This also lends it superior efficiency, at 33 mpg on the highway, to the 911 as well.) It conjures the uncanny duality of being totally engaged (manual transmission, after all) but also freed from the physical constraints that so dearly cling to heavier, larger cars: I know I don t have to mention that parking such a small bauble is a joy. With the MX-5, all those spots that were almost big enough to fit your expensive sedan open up in blessed welcome.

Straightforward Performance

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The MX-5 RF has some options, though their cost doesn t amount to much more than base MSRP, and many nice things like Bluetooth, heated seats, and a 7-inch color touch-screen display come free. Brembo front brakes, a rear lip spoiler, 17 forged dark alloy wheels, a rear bumper skirt, and door sill trim plates, add $5,000 or so to the final cost. The MX-5 is more expensive than its nearest competitors, but not by much.

The interior of the car is basic but not boring, with a rounded stick shifter and optional alloy pedals.

Photographer: Hannah Elliott/Bloomberg

So, what s not to like with MX-5 RF? Nothing, really. But don t expect a roof that retracts when the car is traveling at anything more than the most excruciating snail s crawl (6 mph and under), and don t expect a throaty engine roar when you hit the gas. Don t expect multi-zone climate control, generous visibility, interior Alcantara finery, or even a back seat. (The trunk makes a great sandwich holder, though.)

Do expect to get attention for driving something cool. With angled LED headlights and a reserved front grille and fascia that accentuate its cute trim body and flying buttress-flanked sides, it communicates that its buyer has more discernment than those who own the standard-issue MX-5 Miata.

Call it the sports car in one perfect bite.

Buy the six-speed manual version of the MX-5 RF.

Photographer: Hannah Elliott/Bloomberg

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16 million color pen can match its ink to the shade of any real

#top ten business ideas


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16 million color pen can match its ink to the shade of any real world object

Scribble is a pen that can scan the color of any object and immediately begin drawing in that color.


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While the 3Doodler has already enabled users to draw new objects into existence with just a pen and some 3D printing technology, translating the qualities of physical objects into digital materials is a bit more tricky. Scribble is a pen that can scan the color of any object and immediately begin drawing in that color.

The pen features two ends — one with a nib and one with a scanner. Users can press the scanner against any surface to capture its color, which is translated into a six-character hex code that stores its RGB value. The pen also features five refillable cartridges that are made up of cyan, yellow, magenta, black and white inks. When an object is scanned, the pen mixes the right amount of each ink to replicate its color and enable users to immediately draw in it. Alternatively, the pen can be connected to a device via Bluetooth or micro USB and the color can be used for digital work, while a stylus version of the device is also available for drawing tablets and touchscreens. Scribble s sensor can detect up to 16 million colors, and up to 100,000 scanned colors can be stored on the pen at any one time.

The pen is set to retail at USD 149.95 and the stylus at USD 79.95, with the team preparing a Kickstarter campaign in the near future. Are there other ways to bring digital capabilities into the physical world?

Read Next:

3D-printed makeup is created from color hex codes

AR app brings kids’ drawings to life

3D printing pen that can draw real objects into existence raises over USD 2m on Kickstarter

Join the Discussion

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Texas A – M – Commerce (GMAT can be waived – it s AACSB-accredited)


Thread: Texas A M – Commerce (GMAT can be waived it’s AACSB-accredited)

Teachers play an important role in fostering the intellectual and social development of children during their formative years. The education that students acquire is key to determining the future of those students. Whether in elementary or high schools or in private or public schools, teachers provide the tools and the environment for their students to develop into responsible adults.
Teachers act as facilitators or coaches, using classroom presentations or individual instruction to help students learn and apply concepts in subjects such as science, mathematics, and English. They plan, evaluate, and assign lessons; prepare, administer, and grade tests; listen to oral presentations; and maintain classroom discipline. Teachers observe and evaluate a student’s performance and potential. They are increasingly asked to use new assessment methods

�Public school teachers must be licensed, which typically requires a bachelor’s degree and the completion of an approved teacher education program; private school teachers do not have to be licensed but may still need a bachelor’s degree.
�Job prospects are best for teachers in high-demand fields, such as mathematics, science, and bilingual education, and in less desirable urban or rural school districts.
�Teachers must have the ability to communicate, inspire trust and confidence, and motivate students, as well as understand students’ educational and emotional needs.

Click Here
to find FREE information on schools offering this course of study.

Lewis offers the following online degrees: Bachelor�s Degree in Fire Service Administration; Certificates in Nursing Administration and Nursing Education; Master�s Degree in Organizational Leadership (Higher Education, Management, Not-For-Profit, Public Administration, and Training), Information Security (Managerial and Technical); and MSN in Nursing Administration and Nursing Education.

The school is regionally accredited, the most widely recognized accreditation.

Click Here
to receive FREE information on this school.

Colorado State University – Global Campus

Colorado State University – Global Campus

Colorado State University offers accredited Bachelor completion and Master programs in a variety of fields, including business management, organizational leadership, a Masters in Teaching and Learning, and a BS in Social Sciences (degree completion)

The school is regionally accredited, the most widely recognized accreditation.

Click Here
to receive FREE information on this school.

Last edited by dl_mba; 11-08-2011 at 05:15 AM.

Join Date Dec 2011 Posts 4

Hi! Has anyone on here heard anything about the MS in Accounting a TAMU-Commerce? I am interested in the program. Thanks!

Argosy offers online Bachelor’s, Master’s and Doctorate in Business Administration, psychology, and HR-related degrees, with many specialty degrees, including organizational psychology, exercise psychology, HR, public administration, higher education administration, and many more.

Argosy also offers the same degrees and more from 19 locations across the U.S. and is a leader in the distance/online education field.

Argosy has one of the largest graduate student communities in the nation, and is regionally accredited, the most widely recognized accreditation.

Click Here
to receive FREE information on this school.

Join Date Nov 2004 Posts 658

Hi! Has anyone on here heard anything about the MS in Accounting a TAMU-Commerce? I am interested in the program. Thanks!

There is already an active thread about this.

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8 Easy, Low-Cost Businesses Any College Student Can Start #small #business #owner

#business ideas for college students


8 Easy, Low-Cost Businesses Any College Student Can Start

Hi there, you can call me Aaron. I’m cofounder at livecube and I’m based in Greater New York City Area.

Let’s face it: summer internships aren’t the best route for all students. Some with an entrepreneurial side and a business-savvy mindset just need more—both in terms of real-life experience and dollars. For students who want a high return, low barrier to entry, freedom to be their own boss and something that will look great on an MBA application, here are nine low-cost starter businesses that college students can start.

Food Cart

There are only three things you need to create a food cart: a cart/kiosk, a license to sell and food to cook. Sites like GigMasters.com offer food carts for rent across the U.S. or you could set up your own table. The key is to finding a good location such as near a college campus or shopping area. Permits range depending on the location. For instance, a permit in Philadelphia is $150, while a permit for New York City is $200. Hot dogs, baked goods and tacos sell well due to low-cost supplies and minimal labor.

Avon Sales Rep

If you’re good with sales and you want to be your own boss without the added costs of starting your own business, being a sales rep for Avon is a good bet. With just $10, you’re on the way to getting things started and unlike other direct sales companies, the starter kit is included in this fee. Set your own hours, a space for yourself in your house and run your business as you please.

SAT Tutoring

No one is more qualified to tutor prospective college students on the SATs than a college student who did well on it. SAT prep books cost between $20 and $30. Set aside money for advertising in your local paper and put up your own ads in public places. Set your hourly rate at a reasonable price. TestMagic charges $85 per hour while others go as high as $200 per hour.

T-shirt Company

Raymond Lei, creator of ooShirts. created his own custom T-shirt business while in college. If you’ve got a funny sense of humor or great design style, starting your own shirt company is a great venture. After you’ve drafted a few ideas, the next step is to find a printer. Depending on how many shirts you’re printing, costs can run high, but as long as the demand is even higher, you’ll continue to be profitable. Think about getting a stand at a local flea market or street festival to boost sales.

Moving Service

All you need to begin your own moving services is a moving truck, a valid license and some brawny friends. U-Haul trucks typically between $20 to 40 per day (plus mileage) and most movers charge about $200 to $400 for a local move. Advertise your “man with a van” service on Craigslist and on public bulletin boards. Also use the Web by posting on Facebook and Foursquare, as well as asking friends or clients to review your business on Yelp. You can also find dollies, hand-trucks, blankets, and other moving supplies on Craigslist.


Starting your own babysitting service can be easy, as long as you invest in the proper resources and become qualified. First, obtain a childcare license which can cost up to $100. You should be first aid and CPR trained, and these certificates cost about $50 (though some places, like the Red Cross, offer this for free). Advertise your service locally, or on trusted babysitter websites such as Sittercity.com and Care.com. Your best chance of success is by having a flexible schedule, such as availability on evenings and weekends. Parents will be especially impressed with students majoring in education, child psychology or art therapy.

Arts and Crafts

If you’re an artist, selling your work can be the perfect entrepreneurial venture for you. You can set up a profile on Etsy and sell your work there, as well as at arts and crafts festivals and school campuses. It might be helpful to have a website you can direct people to for photos of your work and contact information. Look at the most popular items on Etsy and at craft fairs, such as jewelry, hats, clothing and other objects. And to keep costs low, look for materials that can be repurposed (and possibly even donated by local businesses—”reclaimed” is hot these days).

Website Design

Almost every small business wishes it had a better website. If you have skills and experience with HTML, WordPress, Flash or other site-building platforms (and some graphic design chops), you can freelance your work for a hefty profit. If you want a simple projects, logos can be sold for over $300 apiece. Create packages in which you offer bundled services, such as revamping a site and starting a blog for a flat fee. Build a portfolio of mock-up home pages and bring your iPad to prospect meetings to show it off.

Did you have an enterprise to raise money for college?

Image by OPEN Forum

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How can I report duplicate business pages? #grants #for #business

#business pages


How can I report duplicate business pages?

A business location should be listed only once on Yelp. If a business has multiple locations, each individual location should be listed separately (although there may be exceptions – for example, a food truck that appears in different parts of town on different days can have a single business page). If you notice that there are multiple pages on Yelp for the same business location, you can let us know by submitting a report.

Yelpers Business Owners

From the website (www.yelp.com)

1. Find the business page
2. Click the Edit link:

3. Check the This is a duplicate of another business on Yelp box at the bottom
4. Provide your email if you’re not logged in to a user account
5. Provide a link to the duplicate business page(s) and any further information
6. Click Submit Changes

From an iPhone

1. Find the business page
2. Tap the More Options icon:

3. Tap Edit Business
4. In the Notes field, let our moderators know that the page is a duplicate
5. Tap Done
6. Tap Submit

From an Android

1. Find the business page
2. Tap the Overflow Menu:

3. Tap Edit Business
4. In the Notes field, let our moderators know that the page is a duplicate
5. Tap Done
6. Tap Submit

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8 Businesses You Can Start with Your Kids #best #online #businesses

#business ideas for kids


8 Businesses You Can Start with Your Kids

It may be easy to underestimate someone who s not old enough to drive a car or vote, but many kids today have a strong work ethic and are willing to be creative to achieve success. The knowledge, passion and skills they ve acquired, both in school and through their daily interaction with technology, make them perfect candidates for entrepreneurship.

Starting a business has a host of benefits for a young mind. A child or teen can learn the importance of financial responsibility, how to build professional relationships and how to be independent. But depending on their age, they likely won t be able to get a business off the ground by themselves.

If you ve always wanted to start a business yourself, why not take the opportunity to encourage your young entrepreneur and launch a company together? Here are a few ideas for businesses you can start with your children. [See Related Story:9 Amazing (Very) Young Entrepreneurs]


If your teen excels in a specific subject or has exceptional grades, encourage him or her to assist those in need of help through tutoring services. Your child can get paid for his or her knowledge and time spent helping others learn a skill or subject matter. This type of business is scalable, and live videoconferencing and electronic payments can bring your child s skills online as well.

Social media consultant

Kids are absorbing tons of social media knowledge at a young age. They re becoming YouTube and Instagram stars with millions of followers for just being themselves. This could be invaluable knowledge for small businesses in your area. Encourage your child to apply his or her understanding of social platforms to consult for local shops and restaurants.


As long as houses come with lawns and outdoor maintenance, there will be a need for landscapers.The simplicity of the job, from mowing the lawn to trimming trees, means it can open doors to college degrees in the field, which can lead to jobs with theme parks or college campuses.

Babysitting or dog walking

Technology has brought traditional job choices for teens into the modern age. Sites like SitterCity. Care.com and Rover.com have made it easy for people to hire and pay child or pet sitters. Encourage your child to gain some experience by babysitting for family members or neighbors. After they ve gotten some experience, they can set up an online account to allow them to truly grow their business in an accessible way.

Etsy shop owner

Sites like Etsy have transformed the way crafters bring their talent to the world. They no longer have to rely on fairs and events to show off their creations; instead, they can sell their products online to customers around the world. If your child has a knack for crafting and creativity, Etsy may offer a great business opportunity. Etsy has a comprehensive guide on fees and owning your own business, along with guidelines for minors.

Cooking and baking

Bringing your child s passion for cooking or baking to the world can prove to be fruitful. There are competition shows on Food Network dedicated to the skills of young teens, as well as Shark Tank entrepreneurs who have used their baking skills to satiate the palates of people (and dogs!). Depending on your home state s regulations, it could be fairly simple for you and your child to start a home catering or bakery business.

Nonprofit organization

Your child s business doesn t necessarily need to check off the for-profit box. If you and your child are passionate about a social cause, starting a nonprofit charity may be a great start. There are hundreds of ways to raise money to profit those in need. Sit down and have a conversation about how to raise money for the cause. It is also a great opportunity to teach your child about the 501(c)(3) tax exemption and how it works.

Secondhand store

Public interest in upcycling and recycling clothing and other items has led to the success of stores such as ReStore and vintage clothing shops. Collect unwanted items from neighbors, friends and family members, restore items to better quality, and sell them for fair prices. It s a great way to be green and make some money from previously unwanted items.

Whatever new opportunity you and your child choose, this is a great time to teach the importance of work-life balance, responsibility and the importance of taxes. Encourage young entrepreneurs to try their best and seek success with their new business. Even if it doesn t turn out as planned, you can show them that adversity is a part of life, and that failure is an opportunity to retool an idea or open a door to a new opportunity.

Shannon Gausepohl graduated from Rowan University in 2012 with a degree in journalism. She has worked at a newspaper and in the public relations field, and is currently a staff writer at Business News Daily. Shannon is a zealous bookworm, has her blue belt in Brazilian jiu jitsu, and loves her Blue Heeler mix, Tucker.

You May Also like

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  • 7 Business Ideas for Entrepreneurial College Grads

  • 8 Business Ideas for Couples

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  • 27 businesses you can start for less than $1, 000 #free #business #templates

    #what business to start


    27 businesses you can start for less than $1,000

    Laura Cattano went from working in a restaurant to managing her own business in less than a year and spent “next to nothing” to get started.

    Her biggest initial start-up costs? Replacing an old computer and spending about $400 to create an LLC. Since then, Cattano’s client list for her professional organizing business has grown to be “in the thousands” and multiple major fashion magazines have featured her work.

    “My advice is to go out there and do it,” Cattano said. “Starting a business is not easy. It’s a lot of hard work, but if you take your work seriously, people will notice.”

    Source: Jeremy Balderson

    If you’re looking to start your own business, think about what skills you have, career experts said.

    “Ask yourself, ‘What’s my passion?'” c areer and life coach Deborah Brown-Volkman said. “People want control over their career, and so creating their own business for under $1,000 gives them the ability to test it out, to see what works and what doesn’t.”

    Experts say once you feel you’re onto something, purchase some sort of business insurance, which will likely be a big chunk of your costs. Basic business insurance usually ranges from $200 to $500 a month, depending on location and coverage.

    1. Tutor

    If you have a skill, teach it. The average wage of a tutor is $17.29 per hour, according to PayScale .

    2. Dog walker

    Love pets and getting some exercise? Dog walking is an easy business to start. Pet business insurance will make up the majority of your expenses, which usually cost $200 to 400 a month, according to one pet business insurance provider. Dog walkers typically make $8 to $20 an hour, with an average wage of $12.03 .

    3. Professional organizer

    If you have a knack for turning clutter into cleanliness, why not try turning that into cash? The median hourly salary for a professional organizer is $2 5.

    4. Fashion stylist

    A great place to start is by styling a few of your friends for a party, and then encouraging them to tell their friends, career experts said. Soon you could have your own fashion business and be making a median of $15 an hour to above $40 once as you gain experience.

    Luis Alvarez | Getty Images

    5. Translator

    Multilingual entrepreneurs, this business is for you. Whether you want to take up projects people post online, approach companies or start-ups that do a lot of international business or check local job postings, there are multiple ways to start building your own translation business. Translators make a median income of $20 per hour.

    6. Photographer

    If you’re a stay-at-home parent with a knack for photography, creating family portraits or photographing events for people in your neighborhood could be the start of a fruitful business. The trick here is that you’ll probably need to have a nice camera, a tripod and equipment insurance — the total cost of which will most likely exceed $1,000. If you can get a deal on a good camera at a lower price or already have the equipment, then the start-up costs are low. Freelance photographers make a median of $24 per hour.

    7. Errand runner

    Lots of people don’t have the time to run errands daily, and a local errand service business could be a great solution. Errand runners make about $11 per hour.

    8. Transcriber

    From video shoots to audio interviews or speeches, there’s a lot out there that needs to be transcribed. If you’re a good typist with a few extra hours and a computer, you could start your own transcription service. The median hourly wage for transcribers is $15 .

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    Bariatric Surgery – Laparoscopic Gastric Bypass #can #gastric-bypass #surgery #be #reversed


    Laparoscopic Gastric Bypass

    The “Roux-en-Y gastric bypass” (RYGB) is considered the “gold standard” for weight-loss surgery by the American Society for Metabolic and Bariatric Surgery and the National Institutes of Health.

    RYGB works by restricting food intake and by decreasing the absorption of food. Food intake is limited by a small pouch that is similar in size to the adjustable gastric band. In addition, absorption of food in the digestive tract is reduced by excluding most of the stomach, duodenum, and upper intestine from contact with food by routing food directly from the pouch into the small intestine.

    The operation, usually performed laparoscopically, involves making five to six small incisions in the abdomen through which a small scope connected to a video camera and surgical tools are inserted. The surgeon staples the top portion of the stomach so it is separated from the bottom to create a small stomach pouch. This small pouch restricts food intake. A section of the small intestine called the jejunum is then attached to the small stomach pouch permitting food to bypass the lower stomach, the duodenum. This bypass reduces the amount of calories and nutrients the body absorbs, called malabsorption.

    In the graphic above, the outlet from the new small stomach pouch empties directly into the lower portion of the small intestine, called the jejunum, thus bypassing calorie absorption. This is done by dividing the small intestine just beyond the duodenum to connect it with the newly formed stomach pouch. The other end is connected to the side of the Roux limb of the intestine creating a “Y” shape that gives the technique its name. The length of either segment of the intestine can be increased to produce some degree of malabsorption.


    Average weight loss after the Roux-en-Y procedure is generally higher if you rigorously follow instructions than with other restrictive procedures.

    A year after surgery, weight loss averages 77 percent of excess body weight.

    Studies show that after 10 to 14 years, 50 percent to 60 percent of excess body weight loss is maintained by some patients.

    A study of 500 patients, conducted in 2000, showed that 96 percent of certain health conditions — including back pain, sleep apnea, high blood pressure, diabetes and depression — were improved or resolved.


    Because the duodenum is bypassed, poor absorption of iron and calcium can result in the lowering of total body iron, which may result in iron deficiency anemia. Metabolic bone disease has also occurred in some patients.These can be managed through proper diet and vitamin supplements.

    Chronic anemia due to Vitamin B12 deficiency may occur. This problem usually can be managed with Vitamin B12 pills or injections.

    A condition known as “dumping syndrome” can occur as the result of rapid emptying of stomach contents into the small intestine. This is sometimes triggered when too much sugar or large amounts of food are consumed.

    In some cases, the procedure’s effectiveness may lessen if the stomach pouch is stretched or if it is initially left larger than 15 to 30 cubic centimeters.

    The bypassed portion of the stomach, duodenum and segments of the small intestine cannot be easily visualized using X-ray or endoscopy if problems such as ulcers, bleeding or malignancy occur.


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